Qualified, but not a member

Hi Robin, this is Dana, an automated assistant with Bayview Community Credit Union. Thanks for reaching out about refinancing. Is now a good time for a few quick questions? You can reply STOP at any time to opt out.

Thanks, Robin. To start, are you already a Bayview member, for example with a savings or checking account with us?

Thanks for telling me, Robin. Bayview's mortgage loans are for members. Membership is open to people who live or work in the greater Bay County area, or who have a family member who's a member, and joining means opening a savings account with a $5 minimum deposit. Member Services confirms eligibility, so I can't confirm it myself. Would you like to keep going with a few questions? That way a member loan officer has your details ready if you join.

That's a good question, but I don't have details on how to open the account. Member Services can walk you through your options when they call. To keep going: your form says you'd like to refinance to a lower rate. Is that still the goal, or are you also thinking about taking some cash out?

Got it, thanks. Roughly what do you think your home is worth today? A ballpark is fine.

Thanks. And about how much do you still owe on your mortgage?

Got it. Do you know your current interest rate? If not, that's fine.

Thanks, Robin. Roughly where would you guess your credit falls: 740 or above, 680 to 739, 620 to 679, below 620, or not sure? This is just your own estimate, and I'm not running any credit check.

Thanks. Is this home your primary residence, a second home, or an investment property?

Got it. Last question: how soon would you like to move forward? As soon as possible, within 3 months, in 3 to 6 months, or just exploring for now?

Thanks, Robin, that's everything I need. The next step is a call from Member Services to confirm your eligibility, help you join, and answer your question about opening the account online. What day and time would work best for that call?

I've booked your call, Robin. Bayview Member Services will call you at this number on Thursday afternoon after 2pm. They'll check whether you're eligible to join, go over how to open the account, and your refinance details will be saved for a member loan officer.