Mortgage anniversary and refinance check in texts: 13 templates

Happy one year in your home, {{name}}. I hope it's been a good one. If you ever want to talk about your loan, I'm glad to take a look, with no obligation.

When to send: On the closing anniversary.

Why it works: A warm date based reason to write.

Hi {{name}}, once a year I offer past clients a quick look at their loan. No pitch. I just check whether anything about your situation or your options has changed. Would you like one?

When to send: Once a year.

Why it works: It tells them what to expect and asks first.

Hi {{name}}, I'm updating my client list. Is this still the best number to reach you? And would you rather hear from me by text or by email?

When to send: Once a year.

Why it works: It also confirms their consent for texts.

{{name}}, refinancing doesn't always save money. Closing costs and how long you'll stay in the home both matter. If you're curious, I'll run the numbers and tell you honestly whether it makes sense.

When to send: When a client asks about refinancing.

Why it works: Honesty about the downside is what earns trust.

Hi {{name}}, rates have changed since your loan closed. That might matter to you and it might not. Want me to take a look and send what I find in writing?

When to send: When the market shifts a lot.

Why it works: No number, no promise, and a written offer.

{{name}}, thinking about paying your loan off sooner? I can show you what a shorter term or extra payments would do. Shall I send two examples in writing?

When to send: When a client mentions extra money.

Why it works: It offers choices, not pressure.

Hi {{name}}, if you pay mortgage insurance, there may be a way to remove it at some point. I can check what your loan requires. Want me to look?

When to send: When you know the loan carries mortgage insurance.

Why it works: A concrete offer that could help them.

{{name}}, you've been building equity since you closed. If you're thinking about a project or another need, I can explain your options and what each one costs. Interested?

When to send: Once a year, to clients with equity.

Why it works: It leaves out any numbers and explains the cost side too.

{{name}}, if you ever consider borrowing against your home, call me first. I'll explain the costs and the risks so you can decide with the full picture.

When to send: When a client mentions a large expense.

Why it works: It positions you as a safe advisor.

Hi {{name}}, if you're thinking of selling or buying a different home, tell me early. Planning ahead gives you more options.

When to send: Two or three years after closing.

Why it works: A forward looking reason to talk.

Hi {{name}}, if your work or your plans for the house have changed, let me know. I'd like to make sure your loan still fits what you need.

When to send: After a client mentions news.

Why it works: It is open and does not assume anything.

Hi {{name}}, tax season is coming. Your servicer's interest statement should be in your online account. Need help finding it?

When to send: In January.

Why it works: A useful nudge unrelated to selling.

Thanks for letting me know, {{name}}. Your loan is in good shape for now. I'll check back next year, and you can reach me anytime before that.

When to send: After a client says no thanks.

Why it works: A graceful exit keeps the door open.