SMS Templates for Lending & Mortgage Companies

Lending & Mortgage Companies rely on timely, two-way communication, and SMS fits because it reaches borrowers where they already respond. It supports quick check-ins, document nudges, and clear next steps without sounding promotional. This collection provides ready-to-use SMS templates for sales, support, and ops teams to use across leads, follow-ups, and renewal moments, with practical wording you can adapt to your process.

New Application Responses

Lending & Mortgage Companies often receive new application responses when someone has just shared their details and expects a quick reply. SMS works well here because it reaches people fast and gets short, direct answers. The goal is prompt engagement and follow-through while the applicant's intent is still fresh.

Template 1:

Hi [First Name], this is [Rep Name] with [Company Name] I saw your new application response and had a quick question to confirm details. Reply YES and a good time to connect, or share what you’d like to do next.

Template 2:

Hi [First Name], thanks for sending your info to [Company Name] your response came through and I can help with the next step. Want me to send a few time options, or would you prefer a link to schedule?

Document Requests

Lending & Mortgage Companies often need missing pay stubs, IDs, or signatures during underwriting. SMS is effective because it reaches borrowers quickly, reduces back-and-forth, and supports simple confirmations. The goal is timely responses and follow-through so files move forward without delays.

Template 1:

Hi [First Name], this is [Rep Name] with [Company Name] and we’re missing a document to keep things moving. Can you upload it here [Link] or reply with a good time to resend the request?

Template 2:

Hi [First Name], quick check in from [Company Name] we still need your confirmation on a pending item. Reply OK when it’s done or tell me the best way to send it to you.

Application Status Updates

Lending & Mortgage Companies can use SMS to keep applicants informed about their application's progress, reducing uncertainty and unnecessary calls. SMS is effective for delivering timely updates, supporting higher response rates, and helping applicants stay engaged throughout the process.

Template 1:

Hi [First Name], this is [Rep Name] with [Company Name] your application is now at [Application Status]. Reply 1 if you want the next steps by text or 2 for a call-time.

Template 2:

Hi [First Name], quick update from [Company Name] we’ve moved your application forward and the next item is ready. Reply READY when you’d like us to send the link or the checklist.

Rate Lock Reminders

A rate lock's expiration can impact a borrower's terms, so timely reminders are important. SMS is effective for delivering these time-sensitive alerts, prompting quick responses and helping Lending & Mortgage Companies support on-time decisions and reduce missed opportunities.

Template 1:

Hi [First Name], this is [Rep Name] with [Company Name] your rate-lock ends on [Date]. Reply EXTEND to review options or OK if you’re set to move forward.

Template 2:

Hi [First Name], quick reminder from [Company Name] your rate-lock expires at [Time] on [Date]. Want a quick call or should I send the next-step link [Link]?

Closing Notifications

Lending & Mortgage Companies use SMS to notify clients about upcoming closing dates or required actions, making sure important details are received promptly. This approach supports timely responses and helps maintain momentum so transactions are completed as scheduled.

Template 1:

Hi [First Name], this is [Rep Name] with [Company Name] your closing is scheduled for [Date] at [Time]. Reply CONFIRM to acknowledge or reply with any questions.

Template 2:

Hi [First Name], quick closing update from [Company Name] we still need [Next Step] before [Date] to keep the timeline on track. Reply DONE when it’s complete or ask for the link.

Payment Reminders

A payment due date can easily be overlooked, so SMS reminders help borrowers stay on track by delivering timely, direct notifications. This approach supports higher response rates and encourages prompt action, helping Lending & Mortgage Companies reduce late payments and maintain steady account management.

Template 1:

Hi [First Name], this is [Rep Name] with [Company Name] - a payment is due on [Date]. Reply PAID if you’ve already sent it, or reply LINK and I’ll send the payment link.

Template 2:

Hi [First Name], friendly reminder from [Company Name] that your next payment is due by [Time] on [Date]. Reply HELP if you need a quick option, or reply OK to confirm you’re set.

Refinance Outreach

Lending & Mortgage Companies reach out to past clients about potential refinancing opportunities, and SMS is effective for delivering concise, relevant information that prompts interest. The marketing goal is to generate responses and encourage recipients to consider their options for possible next steps.

Template 1:

Hi [First Name], this is [Rep Name] with [Company Name] checking in - would you like a quick refresher on today’s refinance options for your [Loan Type]? Reply INFO and I’ll send a few details, or SHARE if you want a time to talk.

Template 2:

Hi [First Name], [Rep Name] from [Company Name] here - if rates or your goals have changed, it may be worth reviewing a refinance for [Property Address]. Reply REVIEW for a couple of scenarios, or send a good time and I’ll reach out.

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