Purchase and Refi Estimator

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Purchase and Refi Estimator

http://localhost/bundle/index.php?system_campaign_id=1

County Loan Limit

5,001,234

This is <Agent name>. I'm calling to share with you that our company is campaigning to help through many
charity programs such as St Jude Children's hospital, Disabled American Veterans and few other charity
organizations. We are not calling to ask for any money or donation. but, by letting us help you lower your
interest rate and save you thousands on your mortgage and without you putting any money you are helping
those charity organizations and contributing to a very good cause.

what's your current interest rate?

What Government loans are you offering?

well, the standard FHA and VA, but besides those programs we have the Harp loan program which is made
to help people that are under water and we offer that one as well
****************PAUSE FOR ANSWER************

what is your current Interest rate?

Continue

What's your current interest rate?

How much do you currently owe on your property?

320,000

Do you have any Second Mortgage?

NO

Have you had a foreclosure in the last 4years?

NO

Have you had any Bankruptcy in the last 4 years?

NO

how about Short sale did you have any in the last 4 years?

NO

Do you have any Mortgage Lates in the last 12 Months?

NO

What's your credit score?

750

what kind of loan do you have? is it

INTEREST ONLY

Interest Only for how many years?

3 Years

The property that we are quoting you on it is (verify given client address on the vicci)()?

CONTINUE

NO

What is the address on the property that we are quoting?


Street address hawiian 2, marigondon City lapu-lapu Zip code 123456

And that property is your primary resident, or investment?

Vacation home

Find on Realist Tax or on HV4 the loan date and original Mortgage Balance
Original loan amount 450,000 Date loan aquired 02/02/2010 1830

What do you think your current market value is?


(still search property value on www.realtors.com (http://www.realtors.com))

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400,000

2/6/2015 9:23 AM

Purchase and Refi Estimator

http://localhost/bundle/index.php?system_campaign_id=1

Select the type of property

SFR

Loan To Value and Combined loan to value

80 LTV 80 CLTV NaN HCLTV

Have you ever been in the Army, or is there any chance that you could be VA eligible?

NO

What type of loan do you currently have?


****Verify on Realist tax the type of loan the client have****
For Conventional Answer, insist to verify their loan on
fannie mae (https://knowyouroptions.com/loanlookup) or Freddie mac (https://ww3.freddiemac.com
/corporate/) websites

PRIVATE

How much is your current monthly payment?

1,500

Is it impounded, do you have your taxes and insurance included?

NO

Enter annual county tax

95

Do you know how much is your annual home owner's insurance?


52 Annual Insurance per client 131.25 Insurance calculated

Current Monthly payment on the mortgage without tax and insurance is: 2250
The total amount will be paid at the end of loan terms when loan is paid off:
0

CALCULATE FIGURES ON QUICKEN LOANS AND TRANSFER THE CALL


...
open websites to verify if loan is with fannie mae or freddie mac: www.youknowyouroptions.com
(http://www.youknowyouroptions.com/) or https://ww3.freddiemac.com/corporate/
(https://ww3.freddiemac.com/corporate/)
your are currently upside down and in order to have an excellent loan with an excellent rate, your current
loan should be owned by fannie mae or freddie mac, i would love to verify that for you and it would take
a minute
==========================================
========SAY REBUTTLE ONLY IF THEY ANSWER THAT THEIR LOAN IS OWNED BY THEIR BANK
LIKE BANK OF AMERICA OR WELLS FARGO================
you could have any bank send you the bill that mean your bank would be the servicer and that's how it is in
most cases but still fannie mae or freddie mac could own your loan.

How much of a cash would you like to receive?

0 Dollars Cash on hand

What would be your main goal that you want to accomplish to pay off the property sooner or to lower
your payment?
TRANSFER CALL

Evaluate for Saving Options

- Don't share the saving options with the client until the client stops giving more information.

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2/6/2015 9:23 AM

Purchase and Refi Estimator

http://localhost/bundle/index.php?system_campaign_id=1

- Saving options will show after you click the button click next to go for the next question.

to Lower your payment?

------------------------------------------SECOND JOB---------------------------------What's your position or title in that Job, or that field?


Also i need the name of the company you worked for

Job Title Company name Years doing it? Months doing it? Located in the City of: Gross Monthly income
Years to date income

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2/6/2015 9:23 AM

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