12 prompts from real client work, for mortgage brokers, agents & lending professionals. Every prompt tells you when to use it: fill in the brackets, paste it into ChatGPT or Claude, and send. Free, no account needed.
Prospect
Pre-Approval Outreach: Warm Lead Follow-Up
Use within 24 hours of a lead inquiry or referral who has expressed interest in buying but has not started the mortgage process yet. Speed and warmth win here.
Write a follow-up message to [Name], a prospective buyer referred by [referral source / e.g. a realtor, friend, social media]. They are [first-time buyer / looking to upsize / relocating]. Introduce me, [Your Name], as their mortgage broker/agent. Explain what a pre-approval actually gets them in today's market: negotiating power, clarity on budget, faster offer acceptance. Keep it conversational, not salesy. Offer a 15-minute no-obligation call. Under 120 words. Tone: knowledgeable, approachable. Text or email format.
Prospect
Realtor Partnership Pitch: Referral Relationship
Use when approaching real estate agents for a referral partnership. Realtors refer clients constantly: positioning yourself as their go-to mortgage professional is one of the highest-ROI moves in this industry.
Write an introduction message from [Your Name], mortgage broker/agent at [Brokerage], to [Realtor Name] at [Real Estate Brokerage]. Lead with value to their clients: fast pre-approvals, access to multiple lenders, smooth closings. Mention one specific thing that makes working with you easier for the realtor: [e.g. quick turnaround on pre-approvals, proactive communication on deal status, experience with [property type or client type]]. End with an ask for a 20-minute coffee or call. Tone: peer-to-peer, professional. Under 130 words.
Nurture
First-Time Buyer Education: What to Expect Email
Use for leads who are interested but feel overwhelmed or uneducated about the mortgage process. Education builds trust faster than any sales pitch.
Write a "what to expect" educational email from [Your Name] to a first-time buyer who just inquired about getting a mortgage. Walk them through the process in plain language: pre-approval, rate hold, offer, approval, closing. Keep each step to 1-2 sentences, no jargon. Mention the stress test briefly without making it scary. Reassure them that you will guide them through every step. CTA: book a free 15-minute call to get started. Tone: calm, expert, encouraging. Under 250 words. Subject line: 2 options.
Nurture
Fixed vs. Variable: Client Decision Email
Use when a client is stuck deciding between fixed and variable and needs a clear, unbiased breakdown. Sending this before the call makes you look prepared and saves time.
Write a plain-language email from [Your Name] to a client, [Client Name], who is deciding between a fixed and variable rate mortgage. Their situation: [e.g. first-time buyer, 5-year horizon, stable income / investor, shorter timeline, comfortable with risk]. Lay out the key difference between fixed (certainty) and variable (potential savings, more risk) in 3-4 short paragraphs, no tables, no charts. Be clear about the current rate environment context: [e.g. rates are high and expected to drop / rates are stable]. Give a leaning without being prescriptive: they need to decide. CTA: let's talk through it on a call. Under 220 words.
Nurture
Rate Drop Alert: Refinance Opportunity
Send to past clients when rates drop meaningfully. This is one of the most valuable touches you can make: it shows you are watching out for them, not just waiting for referrals.
Write a rate drop alert email from [Your Name] to a past client, [Client Name], who closed at [approximate old rate] and is now [X months/years] into their mortgage. Current rate context: [rates have dropped by approximately X%]. Explain in plain terms what refinancing could mean for their monthly payment or total interest saved. Use rough math if possible: [e.g. savings of approximately $X/month based on their balance]. No pressure. Frame it as a heads-up worth a conversation. CTA: a quick 10-minute call to run the numbers. Under 180 words. Tone: proactive advisor, not sales pitch.
Nurture
Mortgage Renewal: 90-Day Proactive Outreach
Send 90 days before a client's renewal date. This is where most brokers lose clients to their bank: proactive outreach at this window wins retention and referrals.
Write a mortgage renewal outreach email from [Your Name] to [Client Name] whose mortgage renews in approximately 90 days at [Bank/Lender]. Do not make them feel like they have to renew immediately. Instead: explain why shopping the renewal early matters (banks offer their worst rate to existing clients who do not shop), what the process looks like (no credit hit to compare options), and what you can do for them. CTA: a 15-minute renewal review call, no obligation. Tone: trusted advisor protecting their interests. Under 200 words. Subject line options: 2.
Close
Objection Handler: Waiting for Rates to Drop
Use when a qualified buyer is stalling because they believe rates will drop significantly before they buy. Address the logic without dismissing the concern.
Write a consultative response to a buyer who says they are waiting for rates to drop before buying. Do not argue with the prediction. Instead, walk through the math of waiting: if rates drop, home prices often rise; carrying cost of renting vs. owning during the wait; the option to refinance if rates do drop. Reference current market conditions in [City/Market]: [e.g. low inventory, competitive offers]. Offer a pre-approval now so they are ready to move quickly when they decide. Tone: analytical, not pressuring. Under 160 words. End with a question that re-opens the conversation.
Close
Stalled Application: Re-Engagement Follow-Up
Use when a client has started the pre-approval process but gone quiet: stopped submitting documents or responding. Catch them before they go cold or go to another broker.
Write a follow-up message to [Client Name] who started a mortgage pre-approval with me [X days] ago but has not submitted [outstanding documents, e.g. T4s, bank statements, employment letter]. Tone: warm and helpful, not chasing. Remind them where we are in the process and what is needed to complete it. Acknowledge that life gets busy. Make it easy: offer to jump on a 10-minute call to walk through exactly what they need to gather. Under 100 words. Text or email format.
Close
Rate Hold: Lock It In Urgency Email
Use when a rate hold is about to expire or when rates are at a favorable level and the client is ready to commit. Creates urgency based on real facts, not manufactured pressure.
Write an email from [Your Name] to [Client Name] explaining that their rate hold expires on [date], [X days away], and what happens if it lapses. Explain the current rate in plain terms and what locking in means for their monthly payment on [purchase price / mortgage amount]. If rates have moved since the hold was set, mention it. CTA: confirm by [date] to secure the rate. Tone: clear, direct, factual, no manufactured urgency. Under 150 words. Include a subject line with the expiry date in it.
Nurture
Declined Application: Compassionate Path Forward
Use when a client has been declined. How you handle a "no" determines whether they come back in 6-12 months, and whether they refer anyone. Most brokers disappear. You should not.
Write a compassionate, professional email to [Client Name] who has just been declined for a mortgage due to [general reason, e.g. credit score, insufficient income documentation, high debt ratio]. Do not make them feel like a failure. Acknowledge the disappointment. Explain clearly what the issue is in plain language. Lay out a concrete 3-step path forward: [e.g. raise credit score by X points, pay down debt, document income differently]. Give a realistic timeline for when they could reapply. Offer to check in at that milestone. Tone: honest, supportive, forward-looking. Under 220 words.
Retain
Post-Close Check-In: 1-Year Anniversary
Send one year after closing. By this point they have settled in, likely know other people who are buying or renewing, and will remember you if you reach out first.
Write a one-year post-close check-in email from [Your Name] to [Client Name] who closed on [property type] at [approximate rate] one year ago. Reference something personal about the deal if you remember it: [e.g. it was their first home, they had a tight timeline, they switched from variable to fixed]. Share one market update that is relevant to their situation: [e.g. rate movement, what their renewal window is looking like]. Soft ask: if they know anyone thinking about buying or renewing, you would love the introduction. No hard pitch. Under 120 words. Tone: genuine, warm, not transactional.
Retain
Referral Request: Past Client Text
Use 3-6 months after closing when clients are settled, happy, and talking to their social circle. A well-timed casual text here generates more referrals than any marketing campaign.
Write a casual, non-awkward referral request text message to a past client, [Client Name], who closed [X months] ago. Reference something about their experience: [e.g. first-time buyer, smooth close, tight timeline they pulled off]. Ask simply if they know anyone thinking about buying, refinancing, or renewing who might benefit from a conversation. Tone: genuine friend, not a broker chasing business. Under 60 words. No corporate language, no "please do not hesitate to reach out."