Nearly every brokerage we audit has between 2,000 and 20,000 contacts they have effectively abandoned: dead applications, credit-declined files, past borrowers, and Loan Seekers who said 'not right now' eighteen months ago. Not right now expired a long time ago.
Segment before you send anything
- Past borrowers with note rates 50bps+ above current market.
- Pre-approvals that expired without a contract.
- Credit-declined files past their 90-day repair window.
- Stalled 1003s from the last 24 months.
- Cold Loan Seekers with a stated timeline that has now arrived.
Want us to audit this inside your own pipeline?
Book a strategy callThe 21-day sequence
- Days 1-3: personalized SMS with a specific, segment-relevant reason to talk. No generic check-in.
- Days 4-10: value email plus AI-assisted dial attempts across varied dayparts.
- Days 11-16: a market-specific offer — annual mortgage review, refreshed pre-approval, credit readiness report.
- Days 17-21: last-call message and clean hand-off to long-term nurture.
Compliance notes people skip
Verify consent status before texting old records, honor every prior opt-out, and scrub against DNC for anyone without an established business relationship. Reactivation done sloppily is expensive in a way no funded loan offsets.
Expected results
A clean 5,000-record database typically produces 40-90 conversations and 6-15 applications on the first run, at a fraction of paid acquisition cost. Then you rerun it quarterly.
Segment by note rate, life event and last touch — then lead with a specific reason to talk. Reactivation is the cheapest funded volume in mortgage, full stop.
Ready to put this to work in your brokerage?
Book a 30-minute mortgage growth strategy call. We'll review your speed-to-lead, follow-up sequences and funded-loan economics, then hand you the plan whether you work with us or not.
Where AI Agents Actually Belong In A Mortgage Funnel