How does the $1-per-call overage work when a Fed rate cut triggers a refi rush?

For Mortgage Brokers

Refi volume is the most spike-prone call pattern in this business. When rates drop even a quarter point, inbound calls from existing clients and rate-shopping refi prospects can jump 300 to 500% in a single week, and that is exactly when a per-minute answering service becomes expensive fast, since those calls also tend to run longer as callers ask detailed payment and break-even questions. Voksha's overage is a flat $1 per call regardless of volume or how far past your plan you go. If you are on Premium ($99/month, 150 calls included) and a rate drop pushes you to 400 calls that month, you pay $99 plus $250 in overage, a known, budgetable number, not a per-minute meter that punishes you for a caller who stays on the line asking about points and closing costs. There is no tier jump, no rate increase for exceeding your allotment, and no need to pre-negotiate a temporary volume bump before the surge hits, because there is nothing to negotiate. This matters because refi surges are unpredictable in timing but predictable in shape: a rate move creates a call spike for two to six weeks, then volume normalizes. Paying flat overage only during the spike, rather than staffing up with temp help you then have to lay off, is the direct cost advantage over hiring seasonal phone coverage for a surge you cannot schedule in advance.