Word-for-word script to screen loan officers and get the best quote
This conversation is to get a sense of whether they can help you with your particular situation, and whether they seem knowledgeable, honest, and responsive. Remember, there are close to 400,000 loan officers in the United States, so if you don’t like the one you are talking to you, or you think they are dismissive of your concerns or needs, move on.
Hi [Loan officer’s name],
I’m looking for a new mortgage and am wondering if you can help me.
I am looking at homes in the [home price range, e.g. $400,000 to $450,000] range. / I am looking to make an offer/have made an offer on a home that costs [home price].
I have a credit score of [credit score, e.g.720], a monthly income of [monthly income, e.g. $8,500] and about [monthly debt amount, e.g. $800] in monthly debts.
I am employed as a [type of job, e.g. salaried employee, independent contractor, business owner] and have been for the past [number of years or months].
I’m interested in getting a mortgage in [estimated month and year] and would like to know possible interest rates, given my situation.
What is the expected timeframe for me to get a mortgage?
Are you able to help me, given my particular circumstances?
What is your process?
What other information do you need from me right now?
[If they ask for an application, tell them that you don’t want to do that right now, you just want to get a sense of rates, products, and qualification requirements].
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