Every rate-and-term refinance enquiry, scored before it reaches your
Every enquiry captures ownership status, refinance goal, and current payment history before it reaches your team, along with a mortgage statement upload, so you know a file is worth a pre-approval call before you pick up the phone.
The exact intake your rate-and-term refinance leads complete
This is the real 6-question guided intake for Rate-and-Term Refinance — the same flow your customers finish before you ever pick up the phone.
What a qualified rate-and-term refinance lead should tell you
Replacing an existing mortgage with a new loan at a different rate or term, without drawing out cash equity, to lower payments, shorten the term, or switch loan types.
- Own Property Want Refinance
- Property Type
- Main Goal Refinancing
- Best Describes Current Mortgage
- Sole Borrower On Current
- Soon Complete This Refinance
The questions your team needs answered
Every rate-and-term refinance intake asks these — and why each one matters.
| Question | Why it matters |
|---|---|
| Do you currently own the property you want to refinance? | Confirms the borrower actually holds title to the property, screening out enquiries from people who don't yet own the home they want to refinance. |
| What is the property type? | Property type changes underwriting and pricing, so investment or business-owned properties can be flagged differently than a primary residence. |
| What is your main goal for refinancing? | The stated refinance goal is the strongest weighted signal on the form and shows exactly what outcome the borrower wants from a pre-approval call. |
| What best describes your current mortgage status? | Current payment status is heavily weighted because delinquency can rule out eligibility for many rate-and-term programs before the call ever happens. |
| Are you the sole borrower on the current mortgage, or is there a co-borrower? | Knowing whether a co-borrower is involved tells the loan officer whether a second set of income and credit documents will be needed before pre-approval. |
| How soon are you looking to complete this refinance? | Timeline shows how close the borrower is to moving forward, letting loan officers prioritize files that are ready to close over ones still exploring options. |
How Cliont scores rate-and-term refinance leads
Every answer is weighted automatically — no manual review required.
Value signals
- Own Property Want Refinance: yes
- Lower interest rate
- Shorten loan term
- Lower monthly payment
- Switch loan type (e.g., ARM to fixed)
- Not sure
Urgency signals
- Immediately
See the lead your team receives
Rate-and-Term Refinance Lead
From first click to qualified lead
Follow prospects and clients through one smooth, guided flow.
They land & meet you
Your video greeting plays instantly — a real face instead of a blank form.
They explain the project
Smart questions adapt to their project and capture the full scope.
They share the details
The scope and any documents come attached, so you can scope before the first call.
You get a ready lead
Scored and qualified — waiting for you to win it.
Built for rate-and-term refinance workflows
| Cliont capability | Rate-And-Term Refinance application |
|---|---|
| Automatic lead scoring | Weights on the refinance-goal answers push 'lower interest rate' and 'shorten loan term' toward the high-priority band while 'not sure' still gets captured, just scored lower. |
| Conditional branching | A 'co-borrower involved' answer can trigger a note to the loan officer that two sets of documentation will be needed before the pre-approval call. |
| CRM routing | Files where ownership is confirmed and payment status is current route directly into the CRM, skipping manual triage on the basics. |
| Document upload capture | A mortgage statement upload lets the loan officer confirm the current rate and term against what the borrower reported before spending call time. |
Common rate-and-term refinance lead scenarios
Rate-motivated borrower, ready now
Sole borrower who is current on payments, wants a lower interest rate, and needs to close immediately. This combination scores highest and should route straight to a loan officer's calendar.
Term-shortening refinance with co-borrower
Borrower wants to shorten the loan term and has a co-borrower on the mortgage, which flags the file as needing two sets of documentation before the pre-approval call.
Occasional late payer still exploring
Borrower selects occasionally late on payments and 'not sure' as their goal, with a timeline of just exploring options. The lead is still captured but sits lower in the queue than ready-to-move files.
Investment property, switching loan type
Borrower owns an investment property and wants to switch from an ARM to a fixed rate. Property type on its own signals different underwriting than a primary-residence file.
Delinquent borrower requesting a quote
Borrower is currently delinquent on the existing mortgage but still submits a refinance request. The intake logs the answer so the loan officer can decide how to handle it rather than working the file blind.
Connect Cliont to your workflow
Send leads
HubSpot, HighLevel, Salesforce, JobNimbus
Book projects
Google Calendar, Outlook Calendar, Calendly
Notify your team
Email, SMS, Slack
Automate follow-up
Zapier, Webhooks, API
Simple, transparent pricing
Choose the plan that works for your business.
Professional
Unlimited intake forms and leads for your growing business.
- Unlimited intake forms
- Custom video greetings
- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Advanced analytics dashboard
Pay Per Lead
Only pay when you receive a qualified lead.
- Unlimited intake forms
- Custom video greetings
- AI-powered voice bot
- English + Spanish support
- Automatic lead scoring
- Digital estimates & e-signatures
- Photo, video & file upload
- Charged only for submitted leads
More mortgage refinance intake templates
Rate-and-Term Refinance lead-intake FAQs
How does the intake tell a rate-and-term refinance apart from a cash-out refinance?
The goal question only offers rate-and-term motivations, lowering the rate, shortening the term, lowering the payment, or switching loan type, with no cash-out amount field, so borrowers looking to pull equity are naturally distinguished from this flow.
What happens if a borrower reports being delinquent on their current mortgage?
Currently delinquent carries the lowest weight on the current-mortgage-status question, so the lead is still delivered but scored lower, letting the loan officer see the risk before they call.
Can the intake handle co-borrower situations?
Yes, the borrower selects sole borrower, co-borrower involved, or not sure, which tells the loan officer upfront whether a second set of income and credit documents will be needed for the pre-approval call.
Does this same intake work for VA IRRRL or FHA Streamline leads?
No, VA Interest Rate Reduction Refinance and FHA Streamline Refinance are separate sibling subservices with their own qualification logic since eligibility rules differ from a standard rate-and-term file.
What if a borrower selects an investment property instead of a primary residence?
Property type is captured directly on the intake, and investment or business-owned properties can be routed with extra attention since pricing and underwriting differ from owner-occupied homes; investment-heavy files may fit better under the Investment Property Refinance subservice.
How does the intake prioritize which files to work first without a hard closing date?
The timing question ranges from immediately to just exploring options and is weighted accordingly, so loan officers can see which borrowers are ready to move now versus still researching.
Turn rate-and-term refinance visitors into qualified clients
Give every rate-and-term refinance visitor a guided intake instead of a dead contact form — and get a scored, qualified lead before you take the first call.