The day before
Tomorrow's the day, {{name}}. Bring a photo ID, and confirm your payment details with the title company by phone. Call me if you have any last minute question.
Mortgage closing congratulations texts: 13 templates for closing day and after
The keys are about to change hands, and your borrower is excited and a little nervous. This is also when wire fraud happens, and when a happy client is most likely to refer you. These messages cover the day before closing, the morning of, the congratulations, the first weeks as a homeowner, and a gentle ask for a review or a referral. Each one is short enough to read on the way to the title company. Copy any message, or add all 13 to your keyboard. They work in any app, including iMessage, WhatsApp, Instagram and Messenger.
Works in WhatsApp, iMessage, Instagram, Messenger and every other app.
Words in {{double braces}} are blanks. In the textcuts keyboard you fill them with one tap, and the names you used recently come back.
Before closing
Wire fraud warning
{{name}}, one important thing: if you get an email or text with new wiring instructions, call the title company on a number you already trust before you send anything. We never change wiring details by text.
Morning of closing
Good morning {{name}}. Your closing is at {{time}} today. I'll be reachable by phone if any question comes up.
Closing day and after
Congratulations
Congratulations, {{name}}. You are a homeowner. It was a pleasure helping you get here. Your loan servicer will send a welcome letter, and my number stays the same for any question.
First payment
Hi {{name}}, your servicer's welcome letter shows the date of your first payment. Can I help you read it, or set up automatic payments?
Servicer may change
{{name}}, your loan may be sold or moved to a new servicer. That's common, and your loan terms don't change. You'll get a letter that explains where to send payments.
Handwritten note
Thank you, {{name}}. I'm sending a handwritten note to your new address this week. Congratulations again.
One week in
Hi {{name}}, one week in. How's the new place? Let me know if you have any question about your loan paperwork.
Reviews and referrals
Review request
{{name}}, if you were happy with how your loan went, would you write a short review about your experience? Here is the link: {{link}}. Honest feedback is welcome too.
Referral
{{name}}, if a friend or relative mentions buying a home, I'd be glad to help them the same way. Feel free to pass on my number. No pressure at all.
Tax form
Hi {{name}}, in January your servicer will send a form showing the mortgage interest you paid. Keep it for your tax preparer.
Escrow changes
{{name}}, your payment may change a little next year because taxes and insurance can change. That's what escrow is for. Ask me anytime and I'll explain it.
Three months in
Hi {{name}}, three months in. Is anything about the loan or the servicer confusing? I'm glad to help sort it out.
When to send each message
| When | Message | Note |
|---|---|---|
| Closing date is set | Wire fraud warning | Send as soon as you know. |
| The day before | The day before | Also confirm the time. |
| Funded | Congratulations | Same day. |
| The week after | Servicer may change | Before the servicer letter arrives. |
| Two to three weeks later | Review request | Only once. |
| Three months in | Three months in | Then an annual check in. |
Do not say
Texting a number that never agreed to hear from you: a bought list, an old lead, or a number from a form that only promised email. Texts like that can break the TCPA.
Instead: Text only people who gave you their number and agreed to texts, one by one by hand. Say "reply STOP and I'll stop texting" in a first message, and honor it.
Offering a gift card or a prize in return for a review or a referral.
Instead: Ask for honest feedback and say thank you. Send a handwritten note if you like.
Sending wiring instructions or account numbers by text.
Instead: Tell them to call the title company on a number they trust, as in the wire fraud message.
A rate, an APR, a payment or a down payment amount in a text ("you could be at 5.9%", "about $1,800 a month").
Instead: Offer to send a written estimate that shows the APR, the payment terms and the other costs together.
"Guaranteed approval", "you'll definitely qualify", "lowest rate in town" or "no credit check".
Instead: Say what you will look at, and that the answer comes after you see their documents.
Fake urgency ("rates go up tonight", "only a few spots left") when it is not true.
Instead: Give the real date and what it means, and nothing more.
Leaving out your NMLS ID where your state or company requires it.
Instead: Keep your NMLS number in your email signature and first message, and ask your compliance team what your state needs.
Works in WhatsApp, iMessage, Instagram, Messenger and every other app.
Frequently asked questions
Is it okay to ask a client for a review?
Yes, and the message here asks for honest feedback and offers nothing in return. Review sites and your company may have their own rules about asking, so check with your compliance team.
Do these work on the free plan?
Yes. 11 of the 13 use a single blank, which fills in on the free plan. The 2 with two blanks ("Morning of closing", "Review request") need Pro to fill both from the keyboard.
Can I send these in WhatsApp, iMessage and Instagram?
Yes. textcuts is a keyboard on iPhone and Android, so the templates work in every app where you type, including iMessage, WhatsApp, Instagram and Messenger.
Can I send these to everyone on my list?
No. Send them one at a time, by hand, to people who gave you their number and agreed to be texted. Never to a bought list. Put a plain line in your first message, such as "reply STOP and I'll stop texting", and honor it. The FCC's rules on consent count replies such as stop, quit, cancel and unsubscribe as ending your permission. Your company's compliance team has the final word on texting borrowers.