FHA borrowers need a different conversation
FHA buyers are often first-time, often credit-rebuilding, often working with DPA programs. They need education, patience, and a system that doesn’t treat them like a one-shot lead.
- 3.5% down funnel — landing pages calibrated to the low-down-payment buyer, with FHA calculator embedded.
- Credit-repair partner referrals — sub-620 borrowers enter a credit-improvement track, with co-pay tracking and re-engagement triggers.
- MIP-aware quoting — every quote includes UFMIP financed into the loan and the correct LTV-based annual MIP.
- DPA program library — state-by-state down-payment-assistance program data delivered automatically based on borrower location.
- FHA streamline refi engine — past FHA borrowers are watched for streamline refinance opportunities (no income docs, no appraisal, lower rate).
Why FHA-focused outreach converts better
FHA borrowers are often shopped multiple lenders before they pick one. The originator who educates — not just quotes — wins. The snapshot’s nurture is built for that:
- MIP explained in plain English (most borrowers don’t understand UFMIP vs annual MIP — your nurture clarifies it).
- FHA vs Conventional 3% Down comparison tool (so borrowers see when each is the right call).
- DPA program eligibility quiz based on location, income, and household size.
- Credit-improvement timeline education — what moves a score, what doesn’t, and at what speed.
FHA streamline = printing money
If you’ve closed FHA loans in the last 3 years, the snapshot’s streamline engine watches those borrowers continuously. The instant their math turns positive — without needing income docs or an appraisal — they get notified.
Average FHA streamline closes in 21-30 days with minimal LO touch. The snapshot makes them automatic.