Breathing RoomFor real estate professionals
Relationship BuilderWeek of July 6, 2026 · 1 client text + talking points
The Past-Client Equity Check-In
One text to send past clients this week, and the talking points for when they reply. A handful at a time tends to work better than the whole database, because it leaves room for real conversations.
Part 1: Send this to a past client
Copy and paste · personalize the gold blanks
The equity check-in text
Hi [First Name], it’s [Your Name]. I was looking at the [neighborhood] market this week and your home came to mind.
Depending on when you bought, you may have more equity than you think, and it can open up real options: a move, an investment property, or simply a better plan.
I’m not sure if it’s something you’ve thought about, but would you be open to a quick, no-pressure estimate of what your home is worth today?
Part 2: Keep this for when they reply
Talking points for the conversation
- Lead with their goal, not the number. “If the equity were there, what would you want it to do for you?”
- Name three common uses: trading up or down, a down payment on an investment property, or paying off higher-interest debt.
- Bring in your lender early. “My lender can run the real numbers so we’re not guessing. Would it help if I looped them in?”
- End with a soft next step rather than a hard ask. “No rush at all. Would you like me to send a quick equity snapshot this week?”
One more idea
Make it a monthly habit
Sort your past clients by the month they closed, then by neighborhood. Each month gives you a short list and a natural reason to reach out on their home anniversary, and staying in one area at a time makes the comparisons quicker to pull.
One more idea
Show it, rather than just say it
A short screen-recorded video walking through recent sales near their home tends to land better than a number in a text. Clients who aren’t planning to move often pass a video like that to a neighbor who is.
A note from Patrick: when a past client wants to know what they could actually do with their equity, send them my way and I’ll run the numbers for their situation.
Prepared for you by Patrick Gallagher, Founder & Mortgage Broker · Exhale Lending
(984) 208-1113 · info@exhalelending.com · exhalelending.com · 1135 Kildaire Farm Road, Suite 200, Cary, NC 27511
Exhale Lending, LLC · Company NMLS #2493601 · Patrick Gallagher NMLS #1495210 · Licensed in North Carolina, South Carolina, and Florida. Equal Housing Opportunity. Any rate or market references are general information, not offers or commitments to lend. Actual rates and terms depend on credit, down payment, loan type, and property, and are subject to underwriting approval. For real estate professionals’ use.
Exhale Lending is a mortgage brokerage firm that embodies trust, transparency, and a genuine desire to help clients achieve financial serenity. With our client-centric approach, expertise, and unwavering commitment to excellence, Exhale Lending is poised to make a meaningful impact on the journey towards homeownership for individuals and families alike.
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Exhale Lending, L.L.C.
Equal Housing Opportunity
Office Location
Cary, NC 27511