MLO Call Companion — Scenario → Product Matcher

1 · Build the scenario (as you ask)

Goal / occupancy

How income documents

Purpose

Property type

Mid credit score

Loan size

First-time investor (never owned) Won't cash-flow (DSCR <1.0) Buying several / portfolio Fix-and-flip / needs rehab Recent BK / credit event Wants cash, keep low 1st mortgage Veteran (VA eligible) CA first-time buyer (DPA)

2 · Products & lenders that fit

Educational routing only — confirm exact LTV/FICO/terms against the current lender matrix before quoting. No rate quotes on calls.

📋 Borrower call script (6 steps)

Open: "Hi [Name], thanks for the time. I'm Jermaine with NEXA. My goal today is just to understand what you're trying to do, so I can point you to the best path — no pressure. Sound good?"

Discover: buy/refi/cash-out? · home or investment? · property type? · price & down payment? · how income documents? · ballpark credit? · timeline? · LLC? · anything trip you up before?
Reflect & position: "Based on that, here's what I'm thinking…" — self-employed → bank statement; rental → DSCR.
If asked the rate: "I won't guess — once I have your details in writing I'll get you an accurate quote. Let's make sure the structure fits first."
Close: "Let's start a quick application — send me [address + rents / income docs] and I'll run the numbers. Best email for me?"

Guardrails: no rate/APR quotes · no "you're approved" · "not a commitment to lend" · honesty beats guessing ("let me confirm and get right back to you") · take notes · recap by email same day.