A proposal to move from a six month RefiMeNow retainer to a full year agreement covering every RefiJet web property, with two and a half times the hours at a lower hourly rate.
Prepared for Scott Markland, Yield Solutions Group. November 13, 2026.
01
Where we are today
Our Master Services Agreement took effect July 10, 2026. It had two parts: a three month build of RefiMeNow, then a six month growth retainer.
$50,000Build fee. Three month build, July 10 to October 10. Complete and paid in full.
$10,000Monthly retainer. Six months, November 1, 2026 to April 30, 2027.
40 hoursIncluded each month, for RefiMeNow. That works out to $250 an hour.
Term
What the agreement says
Scope
RefiMeNow only: new editorial content, lender roster upkeep, conversion work on the funnel, SEO and technical upkeep, monthly reporting.
Hours
Up to 40 a month. Unused hours do not roll over.
Beyond 40 hours
$250 an hour or a separate statement of work, with your written approval first.
Renewal
The retainer ends April 30, 2027 unless we both extend it in writing.
Outside costs
Hosting, data services and software are yours, passed through at cost with no markup.
02
What we heard on November 12
Your marketing team wants to ship web work without waiting on an internal development queue that is booked into January. You want one partner across RefiMeNow, RefiJet.com and Consumer First, a longer agreement, and a list of builds that goes well past what the current retainer covers.
The scope below is our read of that list. Correct anything we got wrong.
03
Scope of services
Everything here is included in the monthly fee. You set the order each quarter.
RefiJet.com rebuild
Build
Design in your current brand, including the animated icons and visuals your team asked for
Every existing page and URL migrated, with redirects tested before cutover
Money pages, calculators and rate pages built for Google and AI search
Real author and editor attribution on content
Page speed held at or above today's site
Direct mail application path
Build
An application form for Savings ID mail recipients
The mailer code carries the offer into the form
Tracking from mail piece to funded loan
Application versions
Build
Separate entry points and form versions by traffic source
Built to the application paths document from Scott and Tim
Each version measured against the others
Offers API
Build
A service that returns full offers to your sites and partners
Replaces CreditSnap
Built to partner specifications such as LendingTree's
Documented and handed to your team with the code
Domain consolidation
Build
RefiJet.com and the refijet.app application under one domain
Redirect mapping, testing and cutover
Auto insurance test
Build
An optional, opt-in question after the refinance application is complete
Tested on RefiMeNow first so refinance conversion is never at risk
Consent language written with your compliance team
A readout on interest and revenue before any rollout
Consumer First Lending
Build, then ongoing
Launch once the domain transfer clears
Tracking, consent and analytics set up to match your other sites
Partner rate widget
Build
An embeddable rate tool for publisher and partner pages, as discussed at kickoff
Growth and management
Every month, all three sites
New content and refreshes: reviews, comparisons, rankings, guides
Search and AI search visibility: monitoring, indexing, technical upkeep
Conversion work on every application flow
Lead quality controls: duplicate blocking, phone verification, partner monitoring
Lender roster and rate upkeep as your network changes
Tracking and partner postbacks with your affiliate team
Weekly call and a live performance dashboard
Ownership and handoff
Every month
All code in your repositories, with staging environments for your team
Written documentation for every site and system we build
Your team can edit content directly and can take over any piece at any time
04
A proposed order for 2027
This is a starting point. You pick the top three each quarter and we put dates on them.
Q1
RefiJet.com launch
Direct mail application path
Consumer First launch
Q2
Application versions
Domain consolidation
Auto insurance test
Q3
Offers API build
Partner rate widget
Q4
Offers API rollout to partners
CreditSnap retired
2028 planning
Growth and management on all three sites runs every month alongside the builds.
05
Investment
$20,000
a month, for the full scope above
100 hours a month from a dedicated team, across RefiMeNow, RefiJet.com, Consumer First and every build in this proposal.
Term
12 months, Jan 1 to Dec 31, 2027
Hours included
100 a month
Hourly rate
$200, down from $250
Additional hours
$200, with your approval
Setup or build fee
None
Year total
$240,000
Today
2027
Monthly fee
$10,000
$20,000
Hours a month
40
100
Hourly rate
$250
$200
Properties covered
RefiMeNow
RefiMeNow, RefiJet.com, Consumer First and new builds
Unused hours
Expire each month
Carry forward within the quarter
New builds
Quoted separately
Included
06
How it works
One pool of hoursEvery site and every build draws from the same 100 hours. You decide where they go.
A dedicated teamEngineering, design, content and SEO, and analytics assigned to your work, with a direct line to Travis.
A quarterly roadmapYou pick the top three initiatives each quarter. We scope them, date them and report against them weekly.
Hours reported monthlyYou see where every hour went, by site and by project.
You own everythingCode, designs and content are yours on payment, in your repositories.
StructureAn amendment to the existing Master Services Agreement. It replaces the last four months of the current term. All other terms stay as signed.
07
Not included
Outside costsHosting, data lookups, SMS verification, software and domains, passed through at cost with no markup, as today.
Advertising spend and media buyingPaid search and paid social management is available as a separate service.
Legal and compliance reviewYour team approves all lending, consent and disclosure language, as today.
Changes inside your lending systemsWe build to your APIs. Work inside your loan origination system stays with your developers.
08
Next steps
Review. Tell us what we got wrong or left out.
Top three. Pick the three projects to start the year.
Requirements. Send what you have: developer email chains, Jira exports, competitor examples, sketches, the application paths document.
Agreement. We send the amendment for signature and start January 1.