“Want me to connect you with a licensed 1to1 Mortgage agent who can review your exact numbers and show which option benefits you most?”
C. Full Branching Logic (YES / NO / MAYBE / QUESTIONS / STOP)
This is the complete automation tree you’ll use inside MagicBlocks or any SMS
platform.
IF Reply = YES → High-Intent Lead
Message: “Great — I’ll have a licensed 1to1 Mortgage agent review your exact numbers and reach out. Are you available now or later today?”
Next step: → Route to agent → agent notification → Log lead as “Hot / Prescreened YES”
IF Reply = NO → Soft Exit
Message: “No problem — if anything changes, just text ‘review’ anytime and I’ll send your updated options.”
Next step: → End conversation → Tag as “Not Interested”
IF Reply = MAYBE / UNSURE / “What’s this about?”
Message: “It’s a quick review of your mortgage profile to show you options that may lower expenses or give you access to cash. Want me to send your exact
numbers?”
Next step: → If YES → route to agent → If NO → soft exit → If more questions → continue below
IF Reply = “How did you get my info?”
Message: “This is a prescreened offer of credit based on information from your TransUnion credit report. All messages include the required FCRA disclosure. Want me to send your exact numbers?”
IF Reply = “What do I qualify for?”
Message: “Based on your credit profile, you may qualify for cash-out, debt consolidation, no-cost refinance, or a second-loan/HELOC. Want me to connect you with a licensed 1to1 Mortgage agent to review your exact numbers?”
IF Reply = STOP (or STOP-like keywords)
Message: “You’ve been opted out. You will no longer receive messages from 1to1 Mortgage.”
Next step: → Add to internal suppression list → Required by carriers
IF No Response → Automated Follow-Ups
Follow-Up #1 (2 hours later): “Still happy to show you your exact numbers whenever you’re ready.”
Follow-Up #2 (Next morning): “Text ‘review’ anytime and I’ll send your updated options.”
Follow-Up #3 (48 hours later): “Your credit-based options are still available. Reply YES if you’d like a licensed 1to1 Mortgage agent to review your numbers.”