Refinance direct mail has a deservedly terrible reputation — glossy “RATES ARE DROPPING — ACT NOW” postcards that borrowers have learned to throw away unopened. Which is exactly the opportunity: a handwritten letter from their broker doesn’t arrive in the “rate ad” pile at all. It arrives in the pile people open first.
Why it works
A refinance note from a borrower’s own broker reads as a personal financial check-in — “I ran your numbers and it may be worth a conversation” — because that’s exactly what it says. No glossy card says that. And because each letter is a genuine ink original written with a real pen (never a printed font), there’s nothing for a borrower to spot: it’s simply a letter from the person who handled the biggest loan of their life.
Handwritten letters are opened as often as 98% of the time — in a channel where printed refi mail is lucky to be opened at all.
How it works
Send us your settled-loan list — the clients whose rates you’d like to revisit. Upload or approve your letter, and our machine writes each one with a real pen, folds it by hand and mails it with a real stamp. Merge fields let you reference each client’s situation personally, without you writing a single letter by hand.
What it can look like
Dear Daniel,
When we locked in your rate, the market looked very different than it does today — so I ran your numbers the other day, and it may be worth a conversation.
No pressure either way; I just didn’t want you leaving money on the table without knowing it. My direct line is below.
Warm regards, Tom
What you send us
- Your settled-client list — names and mailing addresses
- Your letter, or the idea for it — we’ll help you shape it
- Merge fields for loan details you want acknowledged personally
Most orders are written, folded and mailed within a few business days. No minimum — start with the twenty clients most likely to benefit.
← All mortgage letters | Also see annual check-ins