P. says they do a full appraisal and will refinance, rather than Desktop Underwriting.Community Investment Corp (CIC)- Illinois Based Multifamily Rehab LenderConventus John T recommended.

How often are you mailing and how many times are you hitting each homeowner with a YL or PC in total?

Yellow Letter, small text PC, professional typed letter, Zip Letter, Large text PC, greeting card, full color pictorial PC...ect.

Also, there is a lot of talk about using different direct mail campaigns like small text pc, yellow letter, professional letter, large post cards, zip letters, greeting cards, etc.

Shaun -What I meant is that if you buy white letters from a company, they are more costly than the PC's from the same company.

And small PC 9 works well.  

Next time send yellow letter 1 followed by large text PC.  

If the amount of the HELOC is less than 200k, they will only do a "desktop appraisal", they look at the "taxable value" and give you 75% of that amount.

You can upload your list and they will mail your PC's.

And this same lady is the one I'm assuming you pay .10 cents per piece to hand address the PC, so does that same .10 cents cover the merging, printing, stamping and hand writing?