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Our Trusted Home Equity Line of Credit Qualification Script
How We Pre-Qualify Borrowers Seeking to Tap Into Home Equity
Below is the exact script our agents follow to verify, qualify, and warm up each prospect before transferring the call. This structured approach ensures that only serious, high-intent leads reach your team, maximizing your conversions and efficiency
Introduction
Agent: Hi, may I speak with (First Name)?
Reason for Call
Agent: Mr./Ms. (Last Name), this is (Your Name) from the Home Equity Line of Credit Program. I understand you’re interested in a Home Equity Line of Credit, or HELOC. Is this a good time to talk for a few minutes?
Must answer YES to continue
Qualification Questions
Agent: Great, First, can you confirm that you currently own your home and it’s your primary residence?
Must answer YES to continue
Agent: Perfect. What type of property is it? A single-family home, townhouse, condo, or something else?
Must be Applicable to continue
Agent: Thanks. Do you know the approximate value of your home or the current mortgage balance?
Must provide detailsto continue
Agent: Good to know. Typically, to qualify for a HELOC, you need to have some equity built up — usually at least 15%. Does that sound like it applies to your situation?
Must answer YES to continue
Agent: Great. Next, can you confirm your estimated credit score?
Must answer 620+ to continue
Agent: Thanks. Are you currently employed or do you have verifiable income?
Must answer YES to continue
Agent: One last thing — what’s your intended use for the HELOC? Is it for home improvements, debt consolidation, education, or something else?
Must provide a valid answer to continue
Agent: Thanks for sharing that. Based on what you’ve told me, it looks like you qualify to receive a free Home Equity Line of Credit quote. Would you like me to transfer you now to one of our mortgage specialists who can review your options and help you get started with the application?
Must answer YES to continue
Agent: Awesome. I’m going to put you through now. Please stay on the line.
