Rates are coming down.
And the conversations are heating back up.
But here's the real challenge: when clients, partners, and prospects ask you about rates, most agents and loan officers say the wrong thing.
The Wrong Answer
"Rates are coming down, so now is a great time to buy!"
This sounds good. It's also the thing every agent is saying. Which means it sounds like noise.
The Right Answer
The right answer is specific. It's personal. And it creates urgency without pressure.
Here's the framework:
For buyers who've been waiting: *"The rate environment is shifting. Here's what that means for your specific situation, based on the price range you're looking at and your credit profile, your monthly payment would be approximately $X lower today than it was six months ago. Want to run the updated numbers?"*
More Closings. Fewer Financing Surprises.
Tired of deals dying because your buyer's lender dropped the ball? Keith is the mortgage partner listing agents call when they need deals protected, difficult files approved, and buyers who show up pre-qualified.
For past clients: *"I've been thinking about you. With rates moving the way they are, I wanted to reach out personally. If you bought in the last 18-24 months, there may be a refinance opportunity worth looking at. Can I have my lender run a quick analysis?"*
For referral partners: *"I know you have clients who've been sitting on the fence because of rates. Now might be the time to reach back out to that list. I'd love to co-host a quick webinar or send a joint email to your database, want to put something together?"*
The Principle Behind the Scripts
Notice what all three scripts have in common:
1. They're specific to the person's situation 2. They offer a clear next step 3. They don't use generic language like "great time to buy"
Generic language gets ignored. Specific language gets responses.
Your Action Item
Pull your last 20 contacts. Identify which category they fall into, buyer, past client, or referral partner. Send one personalized message to each.
Don't blast. Don't automate. Write each one individually.
That's what separates a Referral Boss from everyone else. , Keith
Keith has helped 2,980+ families close on homes across 12+ markets over 24+ years, with $310M+ in closed loans. He specializes in difficult files, listing-agent partnerships, and the kind of complex deals most lenders turn away.
He writes the Realtor Money Alerts to give agents the plays, programs, and systems that protect deals and generate more closings.
Want plays like this every week?
Drop your email and I'll send you the next one first.
Let's Talk About Your Business
If you want to see if we can get more buyers and sellers for you, a 15-minute call is all it takes. No pitch. No pressure. Just a real conversation about your business.
Keith works with a small number of agents in each market. If there is a fit, you will know by the end of the call.
"Keith helped us get an offer on a $2.8 million dollar listing in Arrington, TN with a custom funnel. Incredible results."
"Keith has been instrumental in the growth of our listing leads coming in. He is a true partner."
We help you grow your business and get you more clients · Keith Goeringer NMLS #488023 · No obligation