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Journey · First Payment Reminder

Reminder: Your First Mortgage Payment is Coming Up!

Audience
Recent buyers, triggered ahead of their first payment due date
My role
Copy, build, journey logic, and the AMPScript: Lookup() calls resolve the borrower’s lender from loan data, branch across 15+ servicers to display the right payment instructions, and pull the originating LO’s HTML signature.
Results
Fully automated — fires for every closed loan with zero manual sends.
Why it’s hereThe highest-anxiety moment of a new mortgage, answered automatically and personally. View the source for the lender-branching AMPScript.
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
  <head>
    <meta name="viewport" content="width=device-width, initial-scale=1" />
    <meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
    <style type="text/css">
      ReadMsgBody{ width: 100%;}
      .ExternalClass {width: 100%;}
      .ExternalClass, .ExternalClass p, .ExternalClass span, .ExternalClass font, .ExternalClass td, .ExternalClass div {line-height: 100%;}
      body {-webkit-text-size-adjust:100%; -ms-text-size-adjust:100%;margin:0 !important;}
      p { margin: 1em 0;}
      table td { border-collapse: collapse;}
      img {outline:0;}
      a img {border:none;}
      @-ms-viewport{ width: device-width;}
    </style>
    <style type="text/css">
      @media only screen and (max-width: 480px) {
        .container {width: 100% !important;}
        .footer { width:auto !important; margin-left:0; }
        .mobile-hidden { display:none !important; }
        .logo { display:block !important; padding:0 !important; }
        img { max-width:100% !important; height:auto !important; max-height:auto !important;}
        .header img{max-width:100% !important;height:auto !important; max-height:auto !important;}
        .photo img { width:100% !important; max-width:100% !important; height:auto !important;}
        .drop { display:block !important; width: 100% !important; float:left; clear:both;}
        .footerlogo { display:block !important; width: 100% !important; padding-top:15px; float:left; clear:both;}
        .nav4, .nav5, .nav6 { display: none !important; }
        .tableBlock {width:100% !important;}
        .responsive-td {width:100% !important; display:block !important; padding:0 !important; }
        .fluid, .fluid-centered {
          width: 100% !important;
          max-width: 100% !important;
          height: auto !important;
          margin-left: auto !important;
          margin-right: auto !important;
        }
        .fluid-centered {
          margin-left: auto !important;
          margin-right: auto !important;
        }
        /* MOBILE GLOBAL STYLES - DO NOT CHANGE */
        body { padding: 0px !important; font-size: 16px !important; line-height: 150% !important;}
        h1 { font-size: 22px !important; line-height: normal !important;}
        h2 { font-size: 20px !important; line-height: normal !important;}
        h3 { font-size: 18px !important; line-height: normal !important;}
        .buttonstyles {
          font-family:arial,helvetica,sans-serif !important;
          font-size: 16px !important;
          color: #FFFFFF !important;
          padding: 10px !important;
        }
        /* END OF MOBILE GLOBAL STYLES - DO NOT CHANGE */
      }
      @media only screen and (max-width: 640px) {
        .container { width:100% !important; }
        .mobile-hidden { display:none !important; }
        .logo { display:block !important; padding:0 !important; }
        .photo img { width:100% !important; height:auto !important;}
        .nav5, .nav6 { display: none !important;}
        .fluid, .fluid-centered {
          width: 100% !important;
          max-width: 100% !important;
          height: auto !important;
          margin-left: auto !important;
          margin-right: auto !important;
        }
        .fluid-centered {
          margin-left: auto !important;
          margin-right: auto !important;
        }
      }
    </style>
    <!--[if mso]>
      <style type="text/css">
          /* Begin Outlook Font Fix */
          body, table, td {
              font-family: Arial, Helvetica, sans-serif ;
              font-size:16px;
              color:#000000;
              line-height:1;
          }
          /* End Outlook Font Fix */
      </style>
    <![endif]-->
  </head>
  <body bgcolor="#ffffff" text="#000000" style="background-color: #ffffff; color: #000000; padding: 0px; -webkit-text-size-adjust:none; font-size: 16px; font-family:arial,helvetica,sans-serif;">
    <div style="font-size:0; line-height:0;"><custom name="opencounter" type="tracking"><custom name="usermatch" type="tracking" /></div>
    <table width="100%" border="0" cellpadding="0" cellspacing="0" align="center">
      <tr>
        <td align="center" valign="top">
          <custom type="header"/>
        </td>
      </tr>
      <tr>
        <td align="center">
          <table cellspacing="0" cellpadding="0" border="0" width="600" class="container" align="center">
            <tr>
              <td>
                <table class="tb_properties border_style" style="background-color:#FFFFFF;" cellspacing="0" cellpadding="0" bgcolor="#ffffff" width="100%">
                  <tr>
                    <td align="center" valign="top">
                      <table align="left" border="0" cellpadding="0" cellspacing="0" width="100%">
                        <tr>
                          <!-- added padding here -->
                          <td class="content_padding" style="">
                            <!-- end of comment -->
                            <table border="0" cellpadding="0" cellspacing="0" width="100%">
                              <tr> <!-- top slot -->
                                <td align="center" class="header" valign="top">
                                  <table align="left" border="0" cellpadding="0" cellspacing="0" width="100%">
                                    <tbody>
                                        <tr>
                                          <td align="left" valign="top">
                                            <table cellspacing="0" cellpadding="0" style="width:100%">
                                              <tbody>
                                              <tr>
                                                <td class="responsive-td" valign="top" style="width: 100%;">
                                                  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">%%[
SET @loanid = [LoanID]
SET @uid = [LoanOwnerID]
SET @crectype = '0124x000000V7y6AAC'
SET @uemail = Lookup('User_Salesforce','Email','Id',@uid)

SET @htmlsig = Lookup('Contact_Salesforce','HTML_Email_Signature__c','Email',@uemail,'RecordTypeId',@crectype)
SET @lender = Lookup('Loan__c_Salesforce','Lender__c','Id',@loanid)

IF @lender == 'REMN' THEN
 set @lenderdisplayname = 'Remington'
ELSEIF @lender == 'UWM' THEN
 set @lenderdisplayname = 'UWM'
ELSEIF @lender == '11 Mortgage' THEN
 set @lenderdisplayname = '11 Mortgage'
ELSEIF @lender == 'CLICKNCLOSE' THEN
 set @lenderdisplayname = 'Click n Close'
ELSEIF @lender == 'SPMC' THEN
 set @lenderdisplayname = 'SPMC'
ELSEIF @lender == 'HomeExpress' THEN
 set @lenderdisplayname = 'HomeExpress'
ELSEIF @lender == 'UMortgage' THEN
 set @lenderdisplayname = 'UMortgage'
ELSEIF @lender == 'MRCOOPER' THEN
 set @lenderdisplayname = 'Mr. Cooper' 
ELSEIF @lender == 'Nova Financial' THEN
 set @lenderdisplayname = 'Nova Financial'
ELSEIF @lender == 'LendSure Mortgage Corp.' THEN
 set @lenderdisplayname = 'LendSure'
ELSEIF @lender == 'NewRez' THEN
 set @lenderdisplayname = 'NewRez'
ELSEIF @lender == 'Valere Financial' THEN
 set @lenderdisplayname = 'Valere Financial'
ELSEIF @lender == 'ACRA Lending' THEN
 set @lenderdisplayname = 'ACRA Lending'
ELSEIF @lender == 'Angel Oak' THEN
 set @lenderdisplayname = 'Angel Oak'
ELSEIF @lender == 'NewFi Lending' THEN
 set @lenderdisplayname = 'NewFi Lending'
ELSEIF @lender == 'Union Savings Bank' THEN
 set @lenderdisplayname = 'Union Savings Bank'
ELSEIF @lender == 'Symmetry Financial Group' THEN
 set @lenderdisplayname = 'Symmetry Financial Group'
ELSEIF @lender == 'LoanDepot' THEN
 set @lenderdisplayname = 'LoanDepot'
ELSEIF @lender == 'AFRW' THEN
 set @lenderdisplayname = 'AFR'
ELSEIF @lender == 'Longbridge Financial' THEN
 set @lenderdisplayname = 'Longbridge Financial'
ELSEIF @lender == 'EPM' THEN
 set @lenderdisplayname = 'EPM'
ELSEIF @lender == 'First National Bank of America' THEN
 set @lenderdisplayname = 'First National Bank of America'
ELSEIF @lender == 'TLS' THEN
 set @lenderdisplayname = 'TLS'
ELSEIF @lender == 'Finance of America Reverse LLC' THEN
 set @lenderdisplayname = 'Finance Of America Reverse'
ELSEIF @lender == 'Caliber' THEN
 set @lenderdisplayname = 'Caliber'
ELSEIF @lender == 'Newfi' THEN
 set @lenderdisplayname = 'Newfi'
ELSEIF @lender == 'WINDSOR' THEN
 set @lenderdisplayname = 'Windsor'
ELSEIF @lender == '21st Mortgage Corp' THEN
 set @lenderdisplayname = '21st Mortgage Corp'
ELSEIF @lender == 'Click N Close' THEN
 set @lenderdisplayname = 'Click n Close'
ELSEIF @lender == 'Mega Capital' THEN
 set @lenderdisplayname = 'Mega Capital'
ELSEIF @lender == 'Arc Home LLC' THEN
 set @lenderdisplayname = 'Arc Home'
ELSEIF @lender == 'CMG Financial' THEN
 set @lenderdisplayname = 'CMG Financial'
ELSEIF @lender == 'SimpleReverse' THEN
 set @lenderdisplayname = 'SimpleReverse' 
ELSEIF @lender == 'Sun West Mortgage Company' THEN
 set @lenderdisplayname = 'Sun West Mortgage' 
ELSEIF @lender == 'DOCFCU' THEN
 set @lenderdisplayname = 'DOCFCU' 
ELSEIF @lender == 'Champions Funding LLC' THEN
 set @lenderdisplayname = 'Champions Funding' 
ELSEIF @lender == 'UMortgage LLC' THEN
 set @lenderdisplayname = 'UMortgage'
ELSEIF @lender == 'Change Wholesale' THEN
 set @lenderdisplayname = 'Change Wholesale'
ELSEIF @lender == 'Idaho Housing' THEN
 set @lenderdisplayname = 'Idaho Housing' 
ELSEIF @lender == 'KINDLENDING' THEN
 set @lenderdisplayname = 'Kind Lending'
ELSEIF @lender == 'Kind Lending' THEN
 set @lenderdisplayname = 'Kind Lending'
ELSEIF @lender == 'RCN Capital' THEN
 set @lenderdisplayname = 'RCN Capital'
ELSEIF @lender == 'Mega Capital Funding Inc.' THEN
 set @lenderdisplayname = 'Mega Capital Funding'
ELSEIF @lender == 'Mega Capital Funding Inc.' THEN
 set @lenderdisplayname = 'Mega Capital Funding'
ELSEIF @lender == 'Figure Wholesale' THEN
set @lenderdisplayname = 'Figure Wholesale'
ELSEIF @lender == 'Plaza Home Mortgage' THEN
set @lenderdisplayname = 'Plaza Home Mortgage'

ELSE 
 set @lenderdisplayname = @lender
ENDIF
]%%</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><meta charset="utf-8"><p lang="EN-US" paraeid="{f0bd9303-c441-4dc8-a935-902fd8aabd96}{190}" paraid="202257993" xml:lang="EN-US">
 Hi %%FirstName%%,<br>
 <br>
 Hope you're doing well! Just a quick heads up: your first mortgage payment is coming up soon. You might have seen some emails or received mail from our lender, <b>%%=v(@lenderdisplayname)=%%</b>, about how to handle your mortgage payment, which is due on <b>%%=FormatDate([EstimatedFirstPaymentDate],"s")=%%</b>.&nbsp;<br>
 <br>
 We closed your loan with %%=v(@lenderdisplayname)=%%, but some of our lenders utilize different loan servicers which may change where you send your monthly mortgage payment. You may have already received an email from %%=v(@lenderdisplayname)=%% or one of their servicers with your payment details. If you have any questions or haven't heard anything yet, please reach out!<br>
 <br>
 Feel free to shoot me a text, reply to this email, or give me a call if you have questions or need a hand with anything. If you know someone who&rsquo;s thinking about buying or refinancing a home, I&rsquo;d be thrilled to help them, too. Feel free to share my contact info with them!<br>
 <br>
 Wishing you the best and looking forward to catching up soon!</p></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">%%=v(@htmlsig)=%%</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table>
 
  <tr>
   <td>
    <div style="margin-top:20px; margin-bottom:20px; font-size:10px; line-height:19px">
     &quot;UMortgage LLC d/b/a UMortgage | NMLS # 1457759 | 100 N 18th Street STE 1400, Philadelphia, PA 19103. For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. Subject to borrower credit and approval. Some exclusions may apply. Equal Housing Opportunity, 2024 All Rights Reserved. | <a alias="https://www.nmlsconsumeraccess.org/" conversion="false" data-linkto="https://" href="https://www.nmlsconsumeraccess.org/" style="text-decoration:none;" title="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>&quot;</div></td></tr></table></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><span style="font-size:10px;"><a alias="Manage Subscriptions" href="%%profile_center_url%%"><span style="color:#7549ea;">Manage Subscriptions</span></a><span style="color:#7549ea;">&nbsp;|&nbsp;</span><a alias="Update Profile" href="%%profile_center_url%%"><span style="color:#7549ea;">Update Profile</span></a></span><br>
&nbsp;<table border="0" cellpadding="2" cellspacing="0" id="Table5" width="600">
 
  <tr>
   <td>
    <font color="#444444" face="verdana" size="1">This email was sent by: <b>%%Member_Busname%%</b><br>
    %%Member_Addr%% %%Member_City%%, %%Member_State%%, %%Member_PostalCode%%, %%Member_Country%%</font><br>
    <br>
    &nbsp;</td></tr></table> &nbsp;</td></tr></table>
                                                </td>
                                              </tr>
                                              </tbody>
                                            </table>
                                          </td>
                                        </tr>
                                    </tbody>
                                  </table>
                                </td>
                              </tr>
                            </table>
                          </td>
                        </tr>
                      </table>
                    </td>
                  </tr>
                </table>
              </td>
            </tr>
          </table>
        </td>
      </tr>
      <tr>
        <td valign="top">
          <custom type="footer" />
        </td>
      </tr>
    </table>
  </body>
</html>

Merge fields render with sample data. Production sends resolve these per recipient.