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. First, are you already a Bayview member, for example with a savings or checking account with us?

Thanks for letting me know, 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. Our Member Services team is the one who confirms eligibility. If you'd like, we can keep going with a few questions so a member loan officer has your details ready if you join. Would you like to do that?

That's a fair question. I don't want to guess about how the timing works, so I'll make sure Member Services covers it when they call you. You won't need to open anything before we finish these questions. Your form says you're hoping to refinance to a lower rate. Is that right, or are you also thinking about taking some cash out?

Got it, thanks. About what do you think your home is worth right now? A rough guess is fine.

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

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

Thanks, 7% noted. How would you describe your credit? This is just your own rough estimate, and answering doesn't involve a credit check: excellent (740+), good (680-739), fair (620-679), below 620, or not sure.

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?

Thank you, Robin. I've saved all of that, so a member loan officer will have your details ready if you join. Next, Member Services can call you to confirm your eligibility, help you join, and answer your question about whether the account and refinance can happen together. What day and time works best for that call?

I've booked your call, Robin. Someone from Bayview Member Services will call you at this number tomorrow afternoon after 2pm Pacific. They'll confirm your eligibility, help you join, and answer your question about the account and refinance timing. Thanks for reaching out, and take all the time you need.