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.
TARGETING & SCRIPTING
🎯 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 Profile
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.
AGENT EXPERIENCE & CONTROL
🗣️ 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
- Compliance
Your team retains full ownership of the borrower experience.
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
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.
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.
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.
PERFORMANCE & EXECUTION
📈 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.