Client: “So… what’s your rate?”
You:
“Great question, [Client’s Name]. But before I just throw out a number, let me ask you — would you like the lowest payment today, or the strategy that saves you the most money long-term?
Here’s why I ask: rates alone don’t tell the whole story. What matters most is the total cost of the loan over time, and how the mortgage aligns with your family’s financial goals.
So here’s what I do differently: once I learn more about your situation — your plans for the home, family dynamics, and career goals — I’ll prepare a Total Cost Analysis. This compares different mortgage strategies side by side.
Instead of just quoting rates, I’ll show you how each option impacts your payments, equity, and wealth-building over the years. That way, you can make a decision based on what’s truly best for your family, not just today’s headline rate.
Would you like to set up a quick call so we can start building your game plan?”
📧 Email Template – Reframing “What’s Your Rate?”
Subject Options:
More Than Just a Rate: Let’s Find Your Best Mortgage Strategy
Rates Are Just the Start — Here’s What Really Matters
Choosing the Right Mortgage = Choosing the Right Plan
Body:
Hi [First Name],
Thanks for reaching out and asking about rates — it’s an important question, but I like to take it a step further.
The truth is, picking a mortgage isn’t just about chasing the lowest rate. It’s about creating the right strategy for your family’s financial goals. Here’s how I approach it:
✔️ I start by learning more about your unique situation — how long you plan to own the home, any family or career changes on the horizon, and your long-term financial objectives.
✔️ Then, I prepare a Total Cost Analysis, which compares different mortgage options side by side.
✔️ You’ll see easy-to-read charts showing not only your payment, but also the long-term costs and wealth-building potential of each strategy.
This way, instead of focusing only on today’s rate, you’re making a decision based on what’s truly best for your family’s future.
If you’re open to it, I’d love to schedule a quick call to learn more about your goals and prepare your personalized game plan.
👉 Just hit reply or call me at [Your Phone Number], and we’ll get started.
Looking forward to helping you find the best strategy, not just the best rate.
Warm regards,
[Your Name]
[Your Position]
[Your Contact Info]
[Your Credit Union/Company Name]