Negotiation scripts
Lenders expect questions. These scripts give you what to gather, what to say, how to answer common pushback and what to confirm afterwards — for seven kinds of rate.
- 1
Know your number
Score the offer first so you know whether you are asking for a little or a lot.
- 2
Bring a written alternative
A real competing quote, described accurately, is the most persuasive thing you can bring.
- 3
Ask about the whole offer
Fees, penalties, prepayment privileges and promotional periods matter as much as the headline rate.
- 4
Get it in writing
A verbal rate is not an offer. Ask for the rate, term and any conditions by email or letter.
- Renewal offerMortgage renewal negotiation scriptWhat to say when you ask your lender for a better renewal rate: what to gather first, a sample call, replies to pushback and what to check before you sign.11 lines · 5 comebacks · 7-point prep list
- Fixed mortgageScript for negotiating a new mortgage rateA polite, factual script for asking a lender to improve its first mortgage quote, with a checklist, sample call, replies to pushback and what to get in writing.11 lines · 4 comebacks · 7-point prep list
- HELOCScript for negotiating a HELOC rateWhat to say when you ask a lender for a better HELOC rate or a lower spread over prime, with a checklist, sample call, replies to pushback and next steps.10 lines · 4 comebacks · 7-point prep list