Last updated: January 2026

Pre-Foreclosure Scripts

Pre-foreclosure homeowners are in a difficult situation. These scripts help you approach them with empathy while gathering the information you need to see if you can help.

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Key Principles for Pre-Foreclosure Calls

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Lead with Empathy

They're going through something hard. Acknowledge it.

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Don't Say "Foreclosure"

They know their situation. Say "challenging time" instead.

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Listen More Than Talk

Let them share their story. People open up when heard.

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Focus on Solutions

Present options, not pressure. Help them see a path forward.

Cold Calling Scripts

Opening Script

"Hi, is this [Name]? My name is [Your Name]. I work with homeowners in the [City] area who are going through some challenging situations with their property.

I came across your property at [Address] and wanted to reach out to see if there's anything I might be able to help with. Do you have a minute to chat?"

Why this works: Non-threatening, doesn't mention foreclosure, asks permission to continue.

If They're Open to Talking

"I appreciate you taking the time. I know situations like these can be stressful. Can you tell me a little about what's going on with the property?

[Listen to their story]

That sounds really difficult. I help homeowners explore their options. Some folks I work with want to stay in their home and need help with that. Others decide selling quickly makes more sense for their situation. What would be ideal for you?"

Qualifying Questions

  • "How much time do you have before you need to make a decision?"
  • "Do you have a rough idea of what you owe on the property?"
  • "Is the home currently occupied, or is it vacant?"
  • "If selling made sense, what would you need to walk away with?"
  • "Have you talked to anyone else about options?"

Closing for Appointment

"Based on what you've shared, I think I might be able to help. What I'd like to do is meet with you briefly at the property to understand the situation better. That way I can give you a clear picture of your options.

Would tomorrow afternoon work, or would the evening be better for you?"

SMS Scripts

Initial Outreach

Hi [Name], I work with homeowners in [City] who are going through tough situations with their property. I help people explore options, whether that's staying in the home or selling quickly. If you'd like to chat, I'm here to listen. No pressure either way. - [Your Name]

Follow-Up (No Response)

Hi [Name], just following up on my earlier message about [Address]. I know you might be dealing with a lot right now. If selling the property would help your situation, I may have some options for you. Feel free to reach out if you'd like to talk. - [Your Name]

What NOT to Say

"I see you're in foreclosure..."

Why: They may be embarrassed or defensive

"I can save you from losing your home!"

Why: Sounds like a scam or high pressure

"You need to act fast!"

Why: Creates panic, not trust

"Just sign here and your problems are over"

Why: Too good to be true = red flag

"How did you get into this situation?"

Why: Judgmental and invasive

"I'll give you X for the house"

Why: Too transactional before rapport is built

Frequently Asked Questions

How should you approach pre-foreclosure homeowners?
Lead with empathy, not sales pitch. Acknowledge their situation is difficult. Present yourself as someone who helps homeowners in challenging situations. Focus on their timeline and options, not your need to buy.
What should you NOT say to pre-foreclosure leads?
Don't mention foreclosure directly (they may be embarrassed). Don't pressure them. Don't make promises you can't keep. Don't criticize them for their situation. Don't be overly salesy.
What information do you need from pre-foreclosure calls?
Timeline (sale date, reinstatement deadline), mortgage balance, their desired outcome (keep home vs sell), property condition, and any other liens. This helps you determine if and how you can help.
When is the best time to call pre-foreclosure leads?
Call early in the process when they have more options and time. Evenings (6-8pm) often work well as they're home from work. Avoid calling too close to the sale date when they may have already made decisions. Try FlipMantis free.

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