Consumer Hotline/Refinance Options – Lenders



Consumer Hotline/Refinance Options – Lenders

Thank you for calling Sarah Adams’ Consumer Home Loan Hotline.

Because interest rates have dropped so dramatically over the past year, if the interest rate on your current home loan is ___% or more, you can lower your house payment and save tens of thousands of dollars of interest, with zero fees or closing costs.

You may have spoken with other home mortgage firms who told you that you would need to pay $3,000, $5,000, or even $10,000 in fees and closing costs to obtain a new loan. That's just not necessary. Our HomeLoanFinder computers are linked to a vast national network of mortgage lenders and sift daily through more than 730 home refinance loan programs to find the best loans for your home and personal situation. At the present time, 37 home loans are available to refinance your home with the Lender paying all your closing costs or fees. In fact, eight of these loans enable you to actually put money in your pocket, while you're lowering your interest rate and house payment.

You may have discovered that local banks and mortgage companies offer only three or four types of home loans with a "take-it-or-leave-it" attitude. We're not a bank. We're home loan consultants and we specialize in finding the loans that best fit your personal needs and strategies.

Do you want the lowest monthly payment? Our computers will find it for you. Do you want the lowest possible interest rate? Do you want the most money in your pocket while still lowering your monthly payment? Our computers will find it. If you'd like to know how much money you would save by refinancing, our free, no-obligation computerized HomeLoanFinder Service will search our databases to find the best home loans available for your personal situation.

The whole refinancing process is very simple – far simpler than when you purchased your home. Our specialty is presenting you with concrete options that you can compare side-by-side to determine very quickly just how much a new, lower interest rate loan can reduce your payments.

(The following paragraph tells a story. It may seem "long winded" to you, but consumers are hungry for real life examples. If you have any doubts, test the script both WITH the following "illustrative" paragraph and without. Which yields the best results? Know your numbers! If you have any questions, join us on the Marketing TeleClass.)

For example, Cathy McNamara's case is typical of the many people we help. Cathy's monthly house payment was at a level she was comfortable maintaining. She called after noticing that mortgage rates were lower and asked if it would make sense for her to refinance. Cathy is a school teacher and is paid 10 months out of the year. It was important for her to save enough money for living expenses over the summer months, be able to contribute to her retirement plan, and still have extra money to put towards her vacation fund. Our computers found eight different programs that would save Cathy money. After showing Cathy all her options, she selected a loan

that would lower her monthly payments by enough to take a great vacation every summer. She was ecstatic!!

Here are some other examples of typical home owners who have saved thousands of dollars:  

- Ron and Pam Kimble reduced their home loan payment by enough to pay off their credit card debt.

- Ken and Susan VanderVeen reduced their home loan payment and built an addition on their home.

- Scott and MaryAnn Phillips reduced their home loan payment and started a college fund for their baby.

As you can well imagine, there's just too much to tell you about on this brief recorded message, but it's easy for you to get more information. Just give me, Sarah Adams, a call at ABC Mortgage at 616-456-0234 or you may leave your name and phone number at the end of this message and I will return your call. Again, my name is Sarah Adams, and you may reach me at 616-456-0234 or leave your name and phone number at the end of this message.

This is the end of this recording. Thanks for calling, and best wishes in your home search.

(Optional Paragraph For Lenders Employed By Commercial Banks:

You may have discovered other local banks and mortgage companies offer only three or four types of home loans with a "take-it-or-leave-it" attitude. Old Kent Bank has made a strong commitment to the Kentwood community to look all across the country to find the best home loans for our clients. Here at the Old Kent mortgage department, we specialize in finding the loans that best fit your personal needs and strategies.)

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