Sale Rebuttals

Question 1

My husband is handling it.

Answer 1

That’s awesome, It’s always great when the husband handles it, right? Well let me at least send you to your husband with some more information and a better offer. We offer to match and beat any loan, so you can rest assured we will value your time.

Question 2

My wife is handling it.

Answer 2

That’s awesome, It’s always great when the wife handles it, right? Well let me at least send you to your wife with some more information and a better offer. We offer to match and beat any loan, so you can rest assured we will value your time.

Question 3

I don’t want my credit score to be hit with another inquiry.

Answer 3

I completely understand. But actually, you have 45 days from the time of your first inquiry to pull credit with other mortgage companies. It doesn’t affect your credit within the 45 days, this way you’re able to shop around and get the best possible offer.

Question 4

I’m already working with someone.

Answer 4

That’s great! I can’t wait to beat their offer. It’s always good to have more than one company competing for your business, isn’t it?

Question 5

How did you get my information?

Answer 5

If you’re working with your current bank or lender your information goes to the 3 credit bureaus from there it will go to companies like us to make sure you are getting the lowest rate available. It’s also possible that you filled out a form with one of our partners for more info online.

Question 6

Who are you guys?

Answer 6

We’re Network Capital. We’ve funded billions, not millions, billions, in loans for our borrowers. We save our borrowers $528/month on average, and we can close loans in as little as 10 days. If you had an extra $500 in your pocket every month, what would you do with it?

Question 7

How much are your lender fees?

Answer 7

They are 0 dollars. We do not have any lender fees. That’s one of the reasons why we’re a top mortgage lender.

Question 8

I want a HELOC.

Answer 8

OK perfect, we do have HELOCs. Our Senior Mortgage Banker will definitely look into every possible option to save you money.

Question 9

I’m not interested.

Answer 9

Well what was your main goal in refinancing when you’d first requested information? Well, are you a homeowner? You want to save money on your mortgage, don’t you?

Question 10

I just refinanced.

Answer 10

Oh, that’s great. Well borrowers are actually able to refinance the next day. I’m sure that your last refi had lender fees and cost. Ours has none- so it’s definitely worth seeing if we can save you even more.

Question 11

I’m working on my credit score.

Answer 11

I completely understand how you feel. I’ve spoken with a lot of borrowers that have felt concerned about their current score. But what they found was that because the market is shifting constantly, saving on a monthly payment is available to more people than ever right now.

Question 12

Call me back in X months.

Answer 12

I would love to do that. But there’s a specific reason I called today. I called today because Covid 19 has lower the rates to their historic low.

Question 13

I’ve been called 10 times.

Answer 13

I guess 10 people thought you’d be able to save money on your mortgage, it may be worth a little bit of your time to see if they were right.

Question 14

I don’t think I’ll qualify.

Answer 14

Well we’re actually a direct lender, so we lend our own money and often work with more borrower situations than most other banks.

Question 15

Are you just going to transfer me to another person?

Answer 15

Once I gather a little bit of information from you, I’ll get our best Senior Mortgage Bankers on the line for you. They’re experts in saving our borrowers money.

Question 16

Why do your number say “scam likely”?

Answer 16

We do business across the country and so we have several phone numbers linked to our company. It is possible that one of our numbers had previously belonged to a different type of business though.

Question 17

Can you just email me info?

Answer 17

Yeah of course I can email you, but I wouldn’t know what to email you. We custom tailor our programs to our borrowers and save people $528/mo on average, isn’t that worth a couple minutes of your time right now?

Question 18

Are you guys just going to sell my loan?

Answer 18

We have many loans that we keep for quite some time, and others we sell. That’s the nature of the mortgage business, but the rate and term that we secure for you to save you money will never change.

Question 19

I didn’t want to refinance, I wanted a line of credit.

Answer 19

I completely understand, we offer lines of credit and we also offer cash out refinance options. Our senior banker will look into the most beneficial option for you.

Question 20

Can you definitely lower my rate or no?

Answer 20

I can’t give you an exact interest rate immediately, but I can tell you that a lot of the borrowers I’ve spoken to recently were pleasantly surprised with the amount of money we were able to save them. We save people $528/mo on average.

Question 21

You can’t help, I have late payments/bankruptcy/ going through a divorce/ manufactured home/ don’t earn enough/ DTI too high.

Answer 21

I completely understand where you’re coming from, a lot of our borrowers have had the same concern. But what they’ve found was that because we lend our own money and set our own guidelines, we’re often able to help borrowers that most other banks can’t.

Question 22

I don’t want to refinance, I want to purchase.

Answer 22

That’s great. Do you have a house picked out already? Is there a purchase contract signed? Are you working with a realtor to find a home?

Question 23

I want a reverse mortgage.

Answer 23

Ah OK, I completely understand. Our senior banker will definitely look into all available options for you. What was your main goal, to have more money in your pocket every month?

Question 24

I want a XYZ Loan

Answer 24

Ah, OK great. Well what is really your goal for your finances or mortgage? Tell me more about your goal.