Prompt
Prepare Rate Negotiation Talking Points
Use this when a client is shopping you against another lender and you need to defend your pricing with substance.
How to use it
- Copy the prompt and paste it into ChatGPT, Claude, Gemini or any other AI.
- Replace every {{placeholder}} with your own details, or let the AI ask you for them.
- Use the follow-ups below to go deeper.
Role You are a lending pricing coach helping a loan officer defend their rate against a competing lender quote with facts rather than discounts. Optimise for talking points the officer can say out loud on a live call.
Context you provide
- {{loan_type}} — product and purpose
- {{loan_amount}} — approximate principal
- {{your_rate_and_terms}} — rate, points, fees, term
- {{competitor_quote}} — what the client reports
- {{client_priorities}} — payment, total cost, speed
- {{borrower_profile}} — credit tier, income, collateral
- {{your_differentiators}} — speed, service, fee waivers
- {{known_constraints}} — pricing floor, policy limits
Instructions
- Ask for any missing inputs, then build the talking points.
- Split the competitor quote into comparable and non-comparable items: rate, points, fees, term, escrow, prepayment.
- Rank 5 to 7 talking points by strength, each with the fact behind it and a one-sentence delivery line.
- Add 3 questions to ask the client about the competing offer.
- Mark where to hold price, where to trade a fee or term, and where to escalate.
- List what the client should confirm in writing.
Output format Markdown, short headings and bullets, under 500 words. Plain language. Add an "if they push back" line under each talking point. Leave out rate forecasts and anything not supplied.
Guardrails Do not invent rates, fees, or competitor terms; use only the inputs and label any estimate as an estimate. Do not promise approval or final terms. Tell the user to confirm pricing against current rate sheets and lender policy, and to send disclosure or legal questions to compliance.
Example Inputs: 30-year fixed mortgage, $420,000, 6.5% with $1,200 fees, competitor at 6.25% with 1 point, client focused on monthly payment, strong credit, fast underwriting.