What Are You Doing to Generate More Refinance Leads in the Winter?

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February 12, 2025 | By RGR Marketing Blog

Ready to Generate Mortgage Refinance Leads This Winter?

To put it bluntly, winter can be a challenging season for mortgage professionals, but it can be especially hard on those who are looking to generate refinance leads. Understandably, the season’s unfavorable combination of the holidays, colder weather, and general market slowdowns, forces many homeowners to put their thoughts of refinancing on the back burner.

However, while winter is hard on closings, this time of year does present unique opportunities to connect with potential clients, so you can work on building a strong pipeline for the coming months ahead. So, the real question is - what are you doing to generate more refinance leads this winter?

If you haven’t given it much thought or are in need of some help, here are some key strategies to get you started.

Create a Seasonal Marketing Campaign Focusing on Savings

So much of the winter season is centered on spending, but after the New Year most Americans are fixated on one thing – saving money. Since many homeowners start reviewing their finances in January and February, this makes it a prime time to promote the benefits of refinancing.

Creating content around topics like financial resolutions, tax savings, and post-holiday debt consolidation, and incorporating the theme of savings into your marketing messages will speak to these homeowners. Consider email campaigns, social media ads, and blog posts that highlight how refinancing can help homeowners lower their monthly payments, free up cash after taking care of their holiday expenses, or consolidate their high-interest debt into easier to handle payments.

Offer a Limited-Time Refinancing Promotion

Creating a sense of urgency is a proven way to drive action. Consider offering a special winter promotion for refinancing clients, such as reduced fees, complimentary home appraisals, or discounts for early applications. A well-timed winter promotion can be just the thing hesitant homeowners need to take action.

Tap Into Your Existing Client Base for Refinance Prospects

Unsurprisingly, your past clients can be one of your best sources of refinance leads. Reach out to homeowners who used your services to purchase their homes and may benefit from lower interest rates or different loan terms. Sending personalized emails or holiday greeting cards, or simply making check-in calls can remind them of the potential savings that might be available to them through refinancing.

Utilize Targeted Digital Advertising

During the winter months, online activity naturally increases. This makes it an especially ideal time of year to use highly-targeted Facebook, Instagram, and Google ads to reach homeowners who might be interested in refinancing. When creating your online ads, focus on demographics such as homeowners with adjustable-rate mortgages, high-interest debts, or those who have built equity and could benefit from a cash-out refinance, as these targets will benefit most from refinancing in today’s market.

Create Winter-Themed Content That Educates Your Audience

The truth is, many homeowners don’t consider refinancing in the winter simply because they do not realize the benefits of refinancing during the winter months. Creating blog posts, videos, and infographics can be an easy, affordable, and effective way for you to bring these benefits to their attention. Plus, you can use them to answer common questions and address concerns that might affect their decisions about refinancing. Topics like “Why Winter is the Best Time to Refinance” or “How Refinancing Can Ease Your Holiday Debt” can engage potential leads and position you as a trusted expert.

Encourage Customer Reviews and Referrals

Positive word of mouth remains one of the best ways to attract leads. So, encourage happy clients to leave online reviews and refer friends or family who may benefit from refinancing. A strong referral program with incentives like gift cards or service discounts can help keep leads coming in even during slower months.

When Referrals Slow Up in Winter, Purchasing Mortgage Refinance Leads Helps Maintain Your Sales

Generating refinance leads in the winter might take a little more effort than it does compared to the rest of the year, but with the right approach, you can continue to maintain a steady flow of business even during the “slow season.” Or, you can take a more straightforward approach and purchase refinance leads from RGR Marketing.

The good thing about purchasing leads from RGR Marketing is that you’ll receive exclusive access to homeowners who are already close to making their refinancing decision. They’ve already done the research, all they’re needing is that extra push over the finish line. And best of all, our leads are already scrubbed and verified before you get them, ensuring optimum efficiency and productivity.

Partnering with RGR Marketing allows you to take advantage of our 20-plus years of experience working in the mortgage lead industry. We deliver higher-quality mortgage refinance leads that are curated based on your key demographics. Contact RGR Marketing today and enjoy the difference that comes from working with better leads!

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Ready to Generate Mortgage Refinance Leads This Winter?

Create a Seasonal Marketing Campaign Focusing on Savings

Offer a Limited-Time Refinancing Promotion

Tap Into Your Existing Client Base for Refinance Prospects

Utilize Targeted Digital Advertising

Create Winter-Themed Content That Educates Your Audience

Encourage Customer Reviews and Referrals

When Referrals Slow Up in Winter, Purchasing Mortgage Refinance Leads Helps Maintain Your Sales

Start making more
money today!

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Contact Us

Ready to Generate Mortgage Refinance Leads This Winter?

Create a Seasonal Marketing Campaign Focusing on Savings

Offer a Limited-Time Refinancing Promotion

Tap Into Your Existing Client Base for Refinance Prospects

Utilize Targeted Digital Advertising

Create Winter-Themed Content That Educates Your Audience

Encourage Customer Reviews and Referrals

When Referrals Slow Up in Winter, Purchasing Mortgage Refinance Leads Helps Maintain Your Sales

Start making more money today!

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