Refi is a database business
Most refinance originators lose 60-80% of their potential volume because they don’t have a system that watches the rate market for their past clients. The Refinance snapshot fixes that.
- Rate-watch engine — daily check against benchmark rates. When a past client’s refi math turns positive, they get a personalized SMS with their estimated savings.
- Equity-tracker outreach — quarterly home-value update emails with cash-out scenarios for borrowers who’ve built ≥$50k equity since their last loan.
- Refinance calculator funnel — branded refinance calculator embedded on your site captures fresh leads doing market research.
- Lock-in nurture — pre-qualified refis enter a sequence that holds attention from rate-lock to clear-to-close.
- Post-funding repeat trigger — completed refis enter the rate-watch on their new rate, ready for the next cycle.
What past clients hear from you
Without the snapshot: birthday card, annual newsletter, silence.
With the snapshot:
- “Hey [first_name], rates dropped to [current_rate]%. Your loan is at [old_rate]% — that’s about $[monthly_savings]/mo savings. Want to run the math?”
- “Quick equity update: based on Zillow + county records, your home is worth roughly $[current_value]. That’s $[equity]k of equity. Cash-out scenarios attached.”
- “Your home is approaching its 1-year refinance window. Here’s a quick rate check — let’s see if the math works.”
Each message includes the legally-required disclosures and TCPA-compliant opt-out.
Compliance, especially for refi solicitation
Refinance solicitation is high-scrutiny under TCPA and state UDAAP rules. The snapshot enforces:
- Written consent capture at original pre-qual.
- Annual re-consent prompts.
- Mandatory “Equal Housing Lender” + NMLS in every outbound message.
- Suppression triggered by STOP and any opt-out URL click.