RealDialer Blog · Topic
Reaching homeowners in pre-foreclosure responsibly: where the records come from, how to build a clean list, and what to say on the first call. These posts also cover which objections belong with a housing counselor or attorney rather than an agent, and when a short sale is worth discussing.
Start with pre-foreclosure leads for real estate agents and how to build a pre-foreclosure list from county records, then read the pre-foreclosure script. The pre-foreclosure prospecting guide covers professional boundaries and record keeping.
A homeowner in default who says they owe more than the house is worth has described a short sale only if three things are true, and the agent decides which before sitting down. What a short sale is and is not, the payoff math that settles it, what the agent does inside the FTC’s forbearance, the deficiency and tax questions that go to a lawyer and a CPA, and the listing agreement that says lender approval out loud.
More from the desk
On most lists an objection is something to answer. On a pre-foreclosure list, some of what the homeowner says is a request the law does not let an agent fulfill. The eight things a homeowner in default says, which ones you answer, which ones you route to a counselor or a lawyer, and the rule behind each.
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The pre-foreclosure list is built from three recorded documents, pulled weekly from the recorder or the court clerk, and then cut by four filters: rescinded, sold or listed, in bankruptcy, and on the registry. What each document is, what to copy off it, how to keep the file current, and why the vendor list is a starting point and not a list.
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The first call to a pre-foreclosure homeowner has to say how you found them, offer the way off the phone, and ask one open question about their plan. The opener, the three answers you will hear and what each one gets, the voicemail rule, and the record that keeps the follow-up inside the sale date.
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A pre-foreclosure lead is a public record that a homeowner is more than four months behind. What the record is in judicial and non-judicial states, how much time it usually leaves, the federal and state rules that decide what an agent may say on the call, and the one referral to make before anything else.
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RealDialer keeps the active contact, property context, notes, outcome, and follow-up inside the same operating loop.
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