Example of an Agent Script
FICO
Age
LTV
Loan date
Loan amount
Rate
monthly payment
Rev. & instal. debt
Rev. % instal. payment
730
37
59%
20210910
$544,000
7%
$3,619
$16,248
$1,100
Hi Corey,
You may qualify for several loan options, with each offering significant benefits.
Cash-out
You're paying $1,100 each month toward revolving and instalment debt of $16,248, and $3,619 for your existing loan,
even with an additional $183,471, your payment on a mortgage of $732,494 will remain unchanged.
Loan Amount:
Rate
APR
Monthly payment:
Cash on hand after debt payment
$787,010
6%
6.08%
$4,719
$167,223
Debt consolidation with approximate loan costs of $5,332 added to the loan
Loan Amount:
Rate
APR
Monthly payment:
Payment inc. loan costs
Saving
Months to recoup loan costs
$560,248
5.75%
5.83%
$3,270
$3,300
$1,419
3.76
No loan cost, Debt consolidation
Loan Amount:
Rate
APR
Monthly payment:
Savings
$560,248
6%
6.08%
$3,359
$1,360
All rates and lender rebates are as of 05/09/2026 and can change without notice. Rates are based on an owner-occupied property, a 740 FICC score, and a 60% LTV.
Second Loan/HELOC option
With a monthly payment of $1,100, you could afford a fixed-rate second loan of $178,842. After you pay off all your
revolving and installment debt 0f $16,248, you will have $162,594 cash on hand.
Loan Amount:
Rate
APR
Monthly payment:
Payment incl. current loan:
Cash on hand after debt payment
$178,842
6.24%
6.24%
$1,100
$4,719
$162,594
The options are all built around the payments you're already making towards your installment and revolving debt, so they're designed to either save you money or help raise cash without stretching your budget. How do they sound so far - do they line up with what you're hoping to accomplish with a refinance?