SMS Campaigns

Credit Based SMS Campaigns That Create High Intent Mortgage Conversations

Turn raw credit data into real borrower engagement. Our SMS system blends credit based targeting, structured SMS scripts, automated delivery, and fully compliant prescreened offers to generate conversations that convert

High Intent Engagement Starts With Credit Based Targeting

Identify the right homeowners before the first message is sent. Our targeting pinpoints borrowers with:

High revolving debt — ideal for consolidation and cash‑flow improvement
High primary or investment mortgage rates — strong refinance candidates
Strong payment histories — indicators of qualification and stability

This ensures every message is relevant, personalized, and rooted in real credit data

Structured SMS Scripts Built Around the Borrower’s

Each SMS is crafted using the homeowner’s actual credit attributes, enabling you to send:

Personalized loan options
Clear financial benefits
Prescreened firm offers that comply with FCRA

The result: dramatically higher response rates and more meaningful borrower conversations

Structured Agent Scripts for High Quality Conversations

When a homeowner replies YES or requests a call, your agents receive a full credit‑based profile snapshot, including:

Multiple loan option paths
Objection‑handling points
Borrower‑specific benefits

Whether your team is calling back or taking a live transfer, they can immediately present relevant options with confidence

You Stay in Full Control

Campaign structure, loan options, pricing, and targeting criteria remain 100% controlled by you. We simply power the data, scripts, automation, and compliance

Built In Compliance From Day One

Every campaign includes:

FCRA‑required prescreen disclosure
A2P 10DLC‑approved templates
Compliant firm‑offer language

Your outreach stays compliant while still delivering high‑intent conversations

How It Works

Three Components That Power Your Campaign

1. Credit Bureau Data (TU, EX, EQ)

We prescreen homeowners using current, accurate credit data from TransUnion, Experian, and Equifax to identify real, high‑intent opportunities:

Cash‑out opportunities
Debt consolidation candidates
HELOC / second lien options
Rate‑and‑term savings

This ensures every SMS is relevant, compliant, and tied to a real credit‑based need

2. Structured, Data‑Driven SMS Scripts

Each script is built around the homeowner’s actual credit profile and includes:

Personalized credit‑based opener
Required FCRA prescreen disclosure
Clear benefit summary
“Reply YES” call‑to‑action
Automatic routing to your agents

These scripts consistently generate high response rates and high‑intent conversations

3. MagicBlocks SMS Automation

Your campaigns run on a high‑volume, compliant automation engine:

High‑volume A2P 10DLC delivery
Time‑zone‑aware sending
Multi‑day follow‑ups
Reply routing to your agents
STOP/opt‑out compliance
Deliverability optimization

You maintain full control over messaging, loan options, and agent workflow

Campaign Execution Overview

10,000+ SMS/day capacity
18%–35% response rate
Automated follow‑ups at 2 hours, next morning, and 48 hours
Instant routing of YES replies to your licensed agents

SMS + credit‑based scripting creates a frictionless path for homeowners to engage on their terms — resulting in more conversations and more applications

Available Campaign Types

Owner‑Occupied Refinance
Investment Property Refinance
FHA Refinance
FHA Purchase
Second Mortgage / HELOC
Purchase

Each campaign includes credit‑based targeting, structured scripts, and full SMS automation

Pricing

Single Package — $1,095

Includes:

2,000 homeowner credit‑based leads
2,000 structured, data‑driven SMS scripts
MagicBlocks SMS automation
A2P 10DLC compliance setup
Prescreen disclosure sequencing
Multi‑day follow‑up automation
Instant routing of YES replies to your agents

Credit bureau approval required. We guide you through the process.

Contact

For additional information, please email hoshang@1to1mortgage.net or call 415-577-4942.

Pre-designed campaign pricing is available on their pages

Email/PDF Generation

Prospect data provided. Opt-in emails only

# of emails

1000

1,000-2,500

2,500+

Costs per email/PDF generation

$0.10 each

$0.05 each

$0.04 each

Print letter/envelope

Prospect data provided

# of letters

1000-5000

5,001-10,000

10,001-20,000

20,001-40,000

40,001+

Cost per letter

$1.15 each

$1.13 each

$0.95 each

$0.87 each

$0.83 each

Print self-mailer

Prospect data provided

# of letters

1000-5000

5,001-10,000

10,001-20,000

20,001-40,000

40,001+

Costs per letter

$1.05 each

$1.00 each

$0.90 each

$0.83 each

$0.78 each

Print and mail includes duplex printing on premium glossy paper, a promotional message on an envelope or self-mailer, posage, and mailing

Print campaigns

Letters with envelope

Trigger leads

# of letters

500-1000

1,000-2,500

2,500-10,000

10,000+

20,000+

Costs per letter

$1.60 each

$1.45 each

$1.30 each

$1.15 each

$1.075 each

Pre-Screen leads

# of letters

500-1000

1,000-2,500

2,500-10,000

10,000+

20,000+

Costs per letter

$1.50 each

$1.35 each

$1.25 each

$1.05 each

$1 each

Demographic leads

# of letters

500-1000

1,000-2,500

2,500-10,000

10,000+

20,000+

Costs per letter

$1.45 each

$1.30 each

$1.20 each

$1.00 each

$.91 each

Self-Mailer

Trigger leads

# of letters

500-1000

1,000-2,500

2,500-10,000

10,000+

20,000+

Costs per letter

$1.50 each

$1.35 each

$1.15 each

$1.05 each

$1.02 each

Pre-Screen leads

# of letters

500-1000

1,000-2,500

2,500-10,000

10,000+

20,000+

Costs per letter

$1.40 each

$1.25 each

$1.05 each

$0.947 each

$0.914 each

Demographic leads

# of letters

500-1000

1,000-2,500

2,500-10,000

10,000+

20,000+

Costs per letter

$1.35 each

$1.20 each

$0.95 each

$0.892 each

$0.861 each

Print & Mail includes micro-targeted leads, duplex printing on premium glossy paper, a promotional message on an envelope or self-mailer, postage, and mailing