Predictive Scenario Alert Intel Directory

Each Predictive Scenario Alert is delivered with an Alert Intel and a full script and playbook to give you insight into each opportunity to reconnect with your prospect.

Our system monitors hundreds of data points on an individual and identifies opportunities in your prospect database where a mortgage transaction is likely to occur.  Each Predictive Alert is delivered with an Alert Intel to give you insight into each opportunity to reconnect with your contact.  See below for a list of each Predictive Alert Intel and Playbook:

Category: Home Buyer / Seller

MBai28 - New Home Buyer - The contact has shown intent to purchase in the past year but does not yet have a mortgage report on their credit file.   Script & Playbook>>

MBai37 - Home Buyer - The contact appears to be renting a single-family residence.  The address type is single-family, with no mortgage on file.  Meets credit criteria to be a homeowner.  A good candidate to stop paying rent and buy a home.  Script & Playbook>>

MBai39 - Home Buyer or Seller - The contact has applied for a mortgage within the past eight months and does not appear to have completed a transaction yet. Good opportunity to help with issues that may have caused them to be turned down. Script & Playbook>>

MBai40 - Home Buyer or Seller - The contact has a high predictive score indicating their credit-related behavior shows a high propensity to start a mortgage transaction within 90 days. Script & Playbook>>

MBai99 - Home Buyer - Your contact's address on file has likely been listed for rent.  This is a good time to reach out, your contact may be making a move. Script & Playbook>>

MBai100 - Home Seller - The contact's property for the address on file has likely been listed For Sale by Owner.  This is a good time to reach out to see if they need financing for their new home or a referral to one of your agents.   Script & Playbook>>

MBai106 - Home Seller - The property for the address on file is likely listed for sale.  Good time to offer financing for the purchase or construction of their next home.  Script & Playbook>>

MBai149 - Home Buyer - The contact is displaying home buyer behavior and has been reducing revolving credit card utilization over the past six months, likely improving total DTI. Script & Playbook>>

MBai150 - Home Buyer - The contact was in the market for a home in the past 18 months but has recently reduced revolving utilization. Good sign they are getting serious about buying.  Script & Playbook>>

MBai160 - Home Buyer - The contact has shown past home buying behavior and has voluntarily closed multiple trades in the past six months.  Likely in the market in the next 90 days.  Script & Playbook>>

MBai161 - Home Buyer - The contact has shown intent to purchase in the past but didn't complete a transaction.  Inventory has been improving in this county in the past month.  Good time to reconnect.  Script & Playbook>>

MBai162 - Home Seller - The contact has a high probability of listing their home for sale shortly.  Good opportunity to refer a listing to an agent and get ahead of competitors.  Script & Playbook>>

MBai163 - Home Buyer - High likelihood of becoming a first-time buyer in the coming months. Inventory has improved in this county in the past month.  Script & Playbook>>

MBai3015 - Home Buyer - The contact has shown home buying behavior in the past year and has recently had a credit improvement.  May have renewed interest in mortgage financing.  Script & Playbook>>

Category: Cash-out and Debt Consolidation

MBai34 - Debt Consolidation Cash-out - The contact has a low estimated LTV and a second mortgage or home equity line.  Consolidation could be a good option.  Script & Playbook>>

MBai130 - Debt Consolidation Cash-out - The contact could benefit from a cash-out to pay off revolving debt.  Based on the estimated rate and LTV, there could be a monthly saving. Script & Playbook>>

MBai151 - Debt Consolidation Cash-out - The contact recently took out a second mortgage. This is a leading indicator of a future cash-out or listing. Script & Playbook>>

MBai158 - Debt Consolidation Cash-out - The contact has high aggregate revolving debt payments, and behavior shows a cash-out is likely in the next 90 days.  Script & Playbook>>

MBai159 - Debt Consolidation Cash-out - The contact has high personal finance installment trade debt payments, and behavior shows a cash-out is likely in the next 90 days. Script & Playbook>>

MBai134 - Debt Consolidation Cash-out - VA loan. High-interest revolving debt. It could be a good conversation to discuss net monthly savings with a 100% cash-out refinance to pay off revolving debt and benefit from tax-deductible mortgage interest.  Script &Playbook>>

MBai152 - Cash-out - The homeowner has had a run-up in revolving debt utilization in the past 6 months.  This is often followed by a need to tap into equity through a cash-out in the next 90 days. Script & Playbook>>

MBai153 - Cash-out - The homeowner's recent revolving debt behavior indicates they may be looking to tap into home equity in the next 90 days.  A cash-out comparison to revolving debt may be a good conversation. Script & Playbook>>

MBai154 - Cash-out - The contact has a VA loan with an equity increase. 100% cash out is likely in the next 90 days.  Script & Playbook>>

MBai155 - Cash-out - The contact has a VA loan and an open HELOC with a balance.  100% cash-out to consolidate may be beneficial.  Script & Playbook>>

MBai156 - Debt Consolidation Cash-out - The contact has a VA loan and an open second mortgage.  100% cash-out to consolidate for net monthly savings could be a benefit.  Script & Playbook>>

MBai3016 - Home Improvement Cash-out - The contact's property has increased home equity and would be a good candidate to discuss a cash-out for home improvements.  Script & Playbook>>

Category: Rate and Term

MBai38 - Rate and Term - Prospect has an FHA loan with a high estimated rate and MI compared to today's interest rates.  May benefit from a streamline refinance.  Script & Playbook>>

MBai141 - Rate and Term - Contact has a higher than market rate, 15 year FHA mortgage. May benefit from a rate and term.  Script & Playbook>>

MBai105 - Rate and Term - Prospect has a VA loan with a high estimated rate compared to today's rates.  Might be interested in an IRRL or 100% cash-out.  Script & Playbook>>

MBai142 - Rate and Term - Contact has a higher than market rate, 15 year VA mortgage. May benefit from a rate and term.  Script & Playbook>>

MBai108 - Rate and Term - The prospect has had a shift to a higher 700+ credit tier in the past month.  There may be an opportunity for better loan terms than previously offered.  Script & Playbook>>

MBai129 - Rate and Term - Prospect has a Fannie Mae loan with a high estimated rate for today's market.  Good time to discuss a refinance before they start looking elsewhere.  Script & Playbook>>

MBai143 - Rate and Term - Contact has a higher than market rate, 15 year Fannie Mae mortgage. May benefit from a rate and term.  Script & Playbook>>

MBai136 - Rate and Term - Prospect has a Freddie Mac loan with a high estimated rate for today's market.  Good time to discuss a refinance before they start looking elsewhere.  Script & Playbook>>

MBai144 - Rate and Term - Contact has a higher than market rate, 15 year Freddie Mac mortgage. May benefit from a rate and term.  Script & Playbook>>

Category: MI Reduction

MBai30 - MI Reduction - Prospect has a high estimated FHA rate and MI.  The score is in a tier that may allow them to refinance to a conforming loan and drop mortgage insurance.  Script & Playbook>>

Category: HELOC Activity

MBai131 - HELOC Activity - Prospect has taken out a home equity line in the past 12 months. Might be interested in a cash-out refinance to pay off a higher-interest home equity line. Script & Playbook>>

MBai132 - HELOC Activity - The contact has had a HELOC inquiry in the past 6 months.  Might be interested in hearing about better cash-out rates and terms. Script & Playbook>>

MBai133 - HELOC Consolidation - The contact has an open home equity line and a near or higher than the market rate on their 1st mortgage.  Might benefit from a cash-out to consolidate their home equity line. Script & Playbook>>

MBai157 - HELOC Consolidation - The contact has a home equity line with an open balance and reasonable equity.  A comparison showing net monthly savings to consolidate the home equity line may be of interest. Script & Playbook>>

Category: Max Loan Amount

MBai138 - Jumbo and Max Loan Amount - The mortgage balance is now below new conforming loan limits.  May benefit from a refinance to a conforming loan product.  Script & Playbook>>

Category: Seasoned Intent

MBai39 - Seasoned Intent - Prospect has applied for a mortgage within the past 8 months and does not appear to have completed a transaction yet. Good opportunity to help with issues they may have been turned down for.  Script & Playbook>>

Category: Term Reduction

MBai27 - Term Reduction - The contact pays more than their minimum monthly mortgage payment on a 30-year term.  They might be interested in lowering their term to a 15 or 20-year.  Script and Playbook>>

Category: Payment Increase

MBai145 - Payment Increase - The contact recently had an increase in their minimum monthly payment, possibly ARM or Escrow adjustment.  Often this is a catalyst for a refinance.   Script & Playbook>>

Category: Reverse Mortgage

MBai146 - Reverse Mortgage - The contact is over the age of 62 with a low estimated LTV. They may be interested in discussing a Reverse Mortgage or cash-out, depending on income.  Script & Playbook>>