Use when: Client has tight monthly budget, payment drop is significant ($150+/mo)

Lead with: "I can drop your payment by $X per month starting next month"

Handle objection: If they say "but what about the penalty?" – show them break-even in months

Use when: Net benefit is $5K+, client thinks long-term

Lead with: "You'll save $X over this term – that's money in your pocket, not the bank's"

Handle objection: If they say "my payment goes up" – show total interest saved over term

Use when: 0-4 months to renewal

Lead with: "Your renewal is in X weeks – let's make sure you don't just sign whatever they send you"

Handle objection: If they say "I'll just renew with my bank" – show the rate difference cost over 5 years

Use when: Years saved is 2+, client values being mortgage-free

Lead with: "Keep your same payment and be mortgage-free X years sooner"

Handle objection: If they say "I'd rather have lower payments" – offer both options