Most mortgage CRMs ship one refinance trigger and call it the refi module. BNTouch ships three, and the team is direct about it on video: “We’re going to go over the refinance monitor. There’s two of them that are in there.” Plus a third tool, Listed Properties Alerts, that lives in the same UI panel. The three together cover three distinct refi triggers most loan officers miss because their CRM was checking only one signal.
This is the operator’s tour of all three: how each one fires, what the conditions look like in production, and how to combine them so you stop losing refi opportunities to a competitor who got there first.
Public records and data sourcing for equity position
Rule-based, custom conditions
Listed Properties Alerts
MLS listings for borrower’s recorded address
Property goes on market
Refinance Monitor: the rate-trigger tool
The classic rate watch. Threshold-based. The monitor compares today’s rate against the borrower’s note rate for the program type on file and fires when the differential clears the rule you configured.
The setup the BNTouch team shows on the demo:
Program matching. The monitor matches on program. From the demo: “You need to make sure that your programs are correct as well. This says 25 years, 30 years, 35 years, 40 years. So in the program it’s going to look for 35 years. For instance, I use the term C30 for my conventional 30.” If your record’s program field says “C30” but the monitor is looking for “30YR FIXED,” nothing fires. Standardize your program naming before you turn the monitor on.
How long to monitor. “You can decide how long you want the prepaid. Do you want it 60 days from expiring? Do you want it 6 months from expiring? You decide what you want this to be.” The rate window is configurable per record.
How long they have been in the loan. “How long do you want them in the loan? Do you want them in there 6 months…” Seasoning filter, so you do not trigger alerts on borrowers who closed last week.
The dashboard surfaces refinance monitor hits the same way it surfaces credit and equity alerts. From the demo: “Dashboard, alerts category, several different alerts.” One panel, three categories, all linked back to the borrower record.
The refinance analysis flow inside the same module
Once an alert hits, the standard workflow is to create a refinance analysis on the record. The team’s framing on video: “I want to do something with this refinance. So I’m going to create a refinance analysis. So any refinance analysis that I’ve had in the past are going to be right here.”
The analysis lets you record a video right inside the platform: “Record videos right in our system. You can then send this to the client and that’s the analysis and how it’s going out.” A two-minute personalized refinance explainer beats a generic rate alert email by a margin most loan officers underestimate.
Equity Alerts: the rule-based tool
This is the newer module, and the team frames the difference clearly: “The equity alerts are a little bit more dialed in. So, for example, we’re not just telling you when people have equity. We are creating these different rules that typically align with some sort of loan product.”
The framing matters. Equity Alerts are not generic equity notifications. They are equity notifications keyed to loan product opportunity. Three example rule types from the demo:
Low Balance. “Low balance means exactly what it says. When somebody based on public records and our data sourcing has a very low balance and a lot of equity in their home, it’s going to send you a notification.” Use case: borrower has paid down enough that a cash-out refi or HELOC opportunity exists. Marketing voice from the demo: “We’re saying there might be a potential opportunity for a strategy call, for them to reinvest.”
Custom rules. “Give the alert type a name. Decide if it should be active or not and select the conditions that should be met to issue the alert.” If you have a product-specific rule (e.g. “borrower with at least 25% equity and a current rate above 7%”), you build it as a custom alert type and the system fires on the match.
Threshold-only equity. A simpler equity-percentage rule with no product overlay, for shops that just want the notification.
The team’s stronger framing of the use case, taken verbatim from the demo: “What if you could automatically identify refinance opportunities for your past borrowers without lifting a finger? Staying ahead of equity-driven opportunities can be the difference between winning a deal or losing it.” And: “What if you could know exactly when your borrowers are ready to refinance before they even ask?” That is the design intent.
Listed Properties Alerts: the third tool nobody mentions
Most refi conversations skip this one. It is a mistake.
Listed Properties Alerts ships with every BNTouch account by default. From the demo: “Your listed properties is probably already in your platform. This comes with every single user. All right? Now, these are based on the address.”
How it works: the module pulls from the MLS based on the property address on each borrower record. “From the MLS. Okay? So, as they get homes that are listed, okay, it’s going to populate those within your platform. Now, if they have old listings, those will pull in as well.”
The signal value. A borrower whose property just hit the MLS is, by definition, planning to move. Move means new purchase. New purchase means new loan. If you are the LO who originated the current note, you have a relationship advantage. If you find out via the MLS alert three days after the listing went live, you call before they have committed to a different lender for the new purchase.
Where all three live and how to activate
One panel: “We’ve got credit alerts here. We’ve got our equity alerts here, and we’ve got our listed properties alert down here.” Activation walks you through setup per module: “If you want to activate, then the system will walk you through how to activate it.”
If the modules are missing from your dashboard, the manual path: “You can go into your options here and type in equity and it will populate on the right hand side and you turn that on. And then when you hit refresh here, these tools appear.”
How to combine the three for maximum refi capture
Three signals, three call scripts, one nurture campaign feeding all three:
Equity Alerts (Low Balance rule). Borrower has equity and pay-down history. Call script focuses on cash-out scenarios and rate-and-term opportunity.
Refinance Monitor. Borrower’s note rate has slipped above the market by your threshold. Call script focuses on monthly payment savings calculation.
Listed Properties Alerts. Borrower’s home is on the market. Call script focuses on the next purchase, not the refi.
Each alert ties back to a separate campaign in the BNTouch sequence library so the loan officer can see the alert, pull up the appropriate refinance analysis, and trigger the right step in the right campaign from one screen.
Honest limits
Two worth naming. The Refinance Monitor depends on rate data accuracy and on your program field being standardized; if your team has been freelancing program names for two years, you have a one-week cleanup to do before activation. Equity Alerts and Listed Properties pull from public records and MLS, which means coverage varies by state and by data vendor refresh cadence. Both are reliable for retention; neither is real-time the way credit pull alerts are.
See the three refi tools live
If you want to see the alerts panel on a populated demo account, request a demo and ask specifically to see Refinance Monitor, Equity Alerts, and Listed Properties on the same dashboard. The mortgage CRM page has the full feature list.
