"MP" Mortgage Protector
It’s a well-known fact that real estate agents often don’t protect their clients on the mortgage side of the transaction—not because they don’t want to, but because they lack the education on how to do so. Many agents believe, and it’s true, that they can’t steer clients to a particular mortgage company, and they certainly don’t want their name attached to a deal that goes wrong.
But what if you could have your preferred mortgage company conduct a Mortgage Protector Review, while still giving your client the freedom to choose any lender they prefer? And you could even provide three other lender names beyond the review.
This is not only possible, but it can also elevate your status with your clients as an agent who truly protects their interests. We don’t require referrals—we want to earn them.
Below, you’ll find scripts that will help you communicate this to your clients, elevate your status, and safeguard the mortgage transaction, protecting both your clients and your time and money as the agent.
A Story of Transformation: From Frustration to Business Growth
One of my agents used to close just one mortgage a year with her preferred loan officer.
It felt like a losing battle: most clients came in pre-approved with their own lender, and all she could do was suggest a few alternatives. She had no real control over the mortgage side, and too often, it turned into a guessing game.
Sometimes deals fell apart — and eventually, she called me for help.
Her question was simple:
"How can I actually protect my clients — and make sure we get the mortgage?"
At that moment, I didn’t have a perfect answer, but after a lot of thought, we built a solution — and it changed everything.
Today, she’s capturing 8 out of 10 mortgage deals instead of just one.
Here’s what we changed:
She stopped just "recommending" lenders — and started positioning herself as her client’s protector.
She made it clear:
"You can use any lender you want — but for your protection, my team needs to double-check it first."
She explained that if a lender missed even one small thing that could block them from buying their dream home, she wouldn’t let that happen.
The Process:
With client consent, we run a Mortgage Protection Check with a soft credit pull (no score impact).
The client’s lender is never notified.
We share the key qualification details with the agent — empowering her to hold the original lender accountable for fees, rates, and approval standards.
The client still has complete freedom to choose any lender they want.
Circle Home Loans has to earn their business — not demand it.
No pressure. No surprises. Just protection.
Why It Works:
It shifts the agent’s role from “just another advisor” to trusted protector.
It arms the agent with real data to defend their client’s best interests.
It builds trust without ever forcing a lender switch.
Plus, through Circle’s four strategic guarantees and the trusted relationship already built with the client, we naturally win the business — by earning it, not expecting it.
And now, every time her client closes with us, she also earns Circle Partner Points—marketing dollars reinvested straight into her business to help her attract even more clients.
What started as a frustration became the pivot point that transformed her entire operation.
Pick Your Protector Script
Choose the version that fits your personality and how you talk to clients best.
Version 1 – Original "Protector"
"Hey, I’m not just here to show you houses — I’m here to protect you.
My job is to make sure nothing falls through the cracks that could cost you your dream home.
You’re pre-approved, right?"
Client:
"Yeah, I’m pre-approved through Johnson City Bank."
"That’s great — definitely stick with them if it’s working.
But I still need my lending team to double-check your pre-approval. It’s just a soft credit check — no impact to your score.
If Johnson City Bank misses even one thing that could blow up your deal, I can’t just sit back and watch that happen.
Would you rather fill it out online or have my team give you a quick call?"
(Behind the scenes: We pull soft credit, review, and flag risks. You stay in control, informed, and protected.)
Version 2 – Conversational & Confident
"Hey [Client Name], my job’s not just to find you a house — it’s to make sure you win it.
I know you’re already pre-approved through [Lender Name], and that’s awesome — but I still want my lending team to double-check everything.
It’s just a soft credit pull — no impact on your score — and it helps us make sure nothing’s been missed that could trip us up later.
If something’s off and we find out too late, that’s on me. And I won’t let that happen.
Do you want to knock it out online real quick, or would it be easier if someone from my team gave you a call?"
Version 3 – Direct & Proactive
(Best if you’re fast-talking, no-nonsense — very "protect first, no games" vibe.)
"Here’s the deal — I don’t just show homes. I protect my clients.
Even if you’re already pre-approved, lending issues are where most deals fall apart.
That’s why my team still needs to run a soft credit check to double-check everything.
No score impact. No pressure. Just making sure we catch any hidden risks before they cost you the house.
Let’s go ahead and knock that out — would you prefer online, or a quick call from my team?"
Version 4 – Polished & Professional
(More formal, perfect if your clientele expects polished, upscale communication.)
"My role isn’t just finding the right home — it’s protecting you every step of the way.
While you’re already pre-approved, which is fantastic,
I’d still like my lending team to complete a soft credit review — no impact to your score.
This isn’t about switching lenders.
It’s about ensuring nothing was missed that could cause problems once you’re under contract.
You’ll still have complete freedom of choice — this is simply about safeguarding your purchase.
Would you prefer to start online or have a member of my team reach out directly?"
Circle Home Loans – Mortgage Protector™ Program
Terms and Conditions
Effective: 4/26/2025
1. Program Purpose
The Mortgage Protector™ Program ("Program") offered by Circle Home Loans is designed to assist real estate agents and homebuyers by offering an additional layer of financial review during the mortgage qualification process.
The Program is purely advisory in nature and does not constitute a loan approval, commitment to lend, or guarantee of mortgage financing.
2. Program Eligibility
Open to licensed real estate agents and homebuyers in the United States.
Client participation requires full consent to review financial information and conduct a soft credit inquiry (which does not affect credit score).
Program availability is subject to borrower qualification under Circle Home Loans' standard underwriting criteria.
3. Program Features
Review of borrower’s provided income, assets, employment, and credit profile.
Identification of potential issues that could impact mortgage approval.
Educational information about available loan options.
No obligation for the client to apply with or secure financing from Circle Home Loans.
4. Limitations and Exclusions
No Guarantee of Approval:
Participation in the Program does not guarantee loan approval, pre-approval, or any specific terms or conditions of financing.
No Guarantee of Rate or Fees:
The Program does not guarantee interest rates, fees, closing costs, or loan terms. Rates and terms are subject to change based on market conditions and borrower qualifications:
Independent Decisions:
Clients are free to choose any lender. Participation in the Program is completely voluntary and not a condition of any real estate transaction.
Accuracy of Information:
The analysis is based solely on the information provided by the client. Circle Home Loans assumes no responsibility for inaccurate, incomplete, or fraudulent information.Third-Party Factors:Circle Home Loans is not responsible for issues outside its control, including but not limited to appraisal results, title issues, property defects, market fluctuations, or changes to borrower circumstances after review.
5. Agent Responsibilities
Agents must clearly disclose to clients that the Mortgage Protector™ Program is advisory only.
Agents may not represent Circle Home Loans' Mortgage Protector™ review as a loan approval or guarantee.
Agents must ensure that all information provided for review is obtained with client consent.
6. Program Modifications
Circle Home Loans reserves the right to:
Change, suspend, or terminate the Mortgage Protector™ Program at any time without notice.
Refuse participation to any client or agent for any reason at its sole discretion, without liability.
7. Limitation of Liability
In no event shall Circle Home Loans, its affiliates, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to participation in the Program.
Total liability, if any, shall be limited to the amount of fees paid to Circle Home Loans by the client (which, in most cases, will be zero under this free service).
8. Privacy Policy
All client information is treated confidentially in accordance with Circle Home Loans'
Privacy Policy.
Information will not be shared without explicit client consent except as required by law.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee.
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Circle Home Loans LLC. is a DBA of Priority One Lending LLC. a Equal Housing Lender
Corporate Headquarters: 38701 W. Seven Mile Rd. Suite 290 Livonia, MI 48152
Corporate Phone: (629) 276-5007
Email: [email protected]
All loans are subject to underwriting or investor approval. Some restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines and products subject to change. Rates and terms may vary depending upon risk analysis, collateral, and other factors. Call for details and qualifying information.
"you're approved" language is for illustrative purposes only. Dependent on Priority 1's criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify.
Free Refi for life: Terms and Conditions
This offer applies exclusively to first lien mortgage loans originated by Circle Home Loans and does not include subordinate, simultaneous, or HELOC closings. It excludes Brokered loans and Reverse mortgages.
The offer covers Circle Home Loans' retained fees such as origination, underwriting, processing, and administrative fees. It does not apply to discount points or third-party settlement service fees, including but not limited to Title, Settlement, Appraisal, Credit Report, Commissions, or similar fees.
Eligibility requires that the customer must have closed a previous first-lien refinance transaction on or after September 1, 2024, with Circle Home Loans and at least six (6) months prior to any subsequent application. Please note that refinancing your existing loan may increase your total finance charges over the life of the loan.
All applications are subject to underwriting and credit approval. Additional conditions or restrictions may apply. Please contact us for complete details. This offer is available only through the Direct-to-Consumer Division of Circle Home Loans, a division of Priority 1 Lending, LLC, located at 38701 W. Seven Mile Rd, Suite 290, Livonia, MI 48152, NMLS # 1375378.
This offer is not available for consumers in Washington State.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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EQUAL HOUSING OPPORTUNITY NMLS ID #1375378 Copyright ©️ 2025 Circle Home Loans, LLC. All rights reserved. nmlsconsumeraccess.org
EQUAL HOUSING OPPORTUNITY
NMLS ID #1375378
Copyright ©️ 2025 Circle Home Loans, LLC. All rights reserved.