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Check out our package pricing and new payment options on our pricing page. You can get started with a great lead price and you can pay as you go. Call our friendly sales staff today for more criteria or pricing information.
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Current Hot Transfer Mortgage Lead Criteria
While most other lead providers use information collected by the telemarketer to qualify lead criteria, we use the criteria information verified by loan officer after the transfer to qualify the lead. If loan officer does not verify information on lead sheet, criteria information provided by the telemarketer will be used to qualify the lead.
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Borrower will meet the following criteria at the time of delivery or a credit will be issued: |
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If you follow the provided scripting and acceptable sales practices*, prospect will be willing to speak to you about their mortgage details. (We can only guarantee this on the initial transfer.) |
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$100,000 or higher new loan amount (average loan amounts for all states are below. All loan amounts include cash-out and/or debt consolidation)
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85% or lower CLTV (margin of error +1%) Property value will be determined by the agreed upon value between the prospect and the LO on the initial call. If no agreement can be reached we will determine the value. The telemarketing process does not allow us to guarantee accurate property values. |
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Not currently in bankruptcy or foreclosure.
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Not refinanced less than 6 months ago. (6 months or more qualifies) |
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No mobile homes, construction loans, land contracts, commercial property. |
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*Acceptable sales practices include being kind and courteous to the client and speaking to them intelligently about their loan situation. Asking the prospect "How can I help you?" is not an acceptable sales practice for a telemarketed call. If you aren't sure how to best handle a telemarketed call, please follow our provided scripting. |
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For interest rate, borrower's primary intent must match one of the following conditions: |
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Optional Insurance
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Optional FICO Score Insurance -- This option can be added to guarantee your leads will have a agreed upon FICO score when you pull their credit. Documentation may be required. |
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Because our criteria allows some leads to be credited that could still be converted to loans. We reserve the right to call on any credited lead and transfer it to another customer or bill you for the lead if you are continuing to contact a lead that you did not pay for. |
Average Loan Stats
*These values are averages over the most popular states for the last 6 months. Although this data is based on actual leads delivered to our customers your results may vary. |
| State | Average Balance | Average Value | Average LTV |
| Alabama | $152,833 | $219,166 | 69.7% |
| Arizona | $192,843 | $336,058 | 57.4% |
| California | $311,017 | $531,423 | 58.5% |
| Colorado | $188,431 | $324,072 | 58.1% |
| Connecticut | $252,181 | $535,204 | 47.1% |
| Delaware | $198,703 | $322,734 | 61.6% |
| Florida | $165,565 | $293,399 | 56.4% |
| Georgia | $137,615 | $223,579 | 61.6% |
| Hawaii | $294,727 | $598,477 | 49.2% |
| Illinois | $194,122 | $301,090 | 64.5% |
| Indiana | $129,389 | $200,465 | 64.5% |
| Iowa | $89,388 | $141,782 | 63.0% |
| Kentucky | $152,166 | $226,045 | 67.3% |
| Maryland | $225,388 | $390,274 | 57.8% |
| Massachusetts | $179,446 | $350,940 | 51.1% |
| Michigan | $157,857 | $227,935 | 69.3% |
| Minnesota | $229,700 | $339,950 | 67.6% |
| Missouri | $140,074 | $218,453 | 64.1% |
| Nevada | $212,375 | $296,437 | 71.6% |
| New Jersey | $237,499 | $405,200 | 58.6% |
| New York | $312,731 | $498,370 | 62.8% |
| North Carolina | $139,461 | $216,381 | 64.5% |
| Ohio | $114,500 | $164,500 | 69.6% |
| Oregon | $177,340 | $338,812 | 52.3% |
| Pennsylvania | $156,989 | $270,531 | 58.0% |
| South Carolina | $148,308 | $266,940 | 55.6% |
| Tennessee | $158,409 | $218,727 | 72.4% |
| Texas | $128,907 | $200,259 | 64.4% |
| Utah | $174,000 | $278,222 | 62.5% |
| Virginia | $232,872 | $374,897 | 62.1% |
| Washington | $192,717 | $354,556 | 54.4% |
| Washington DC | $160,666 | $374,500 | 42.9% |
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Current FHA Refinance Mortgage Lead Criteria
While most other lead providers use information collected by the telemarketer to qualify lead criteria, we use the criteria information verified by loan officer after the transfer to qualify the lead. If loan officer does not verify information on lead sheet, criteria information provided by the telemarketer will be used to qualify the lead.
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Prospect will meet the following criteria at the time of delivery or a credit will be issued: |
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*Acceptable sales practices include being kind and courteous to the client and speaking to them intelligently about their loan situation. Asking the prospect "How can I help you?" is not an acceptable sales practice for a telemarketed call. If you aren't sure how to best handle a telemarketed call, please follow our provided scripting. |
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For interest rate, Prospect's primary intent must match one of the following conditions: |
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All prospects primarily interested in lowering their interest rate will have a current rate at least 3/4 point higher than the rates listed on Freddie Mac's Primary Mortgage Market Survey. We adjust our rates every friday. (The rates below are the current minimum rates for prospects primarily interested in lowering their rate.)
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For FIXED rate reduction refinance:
Prospect's Rate will be 7.10 or higher.
For ARM rate reduction refinance:
Prospect's Rate will be 5.92 or higher.
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All Prospects primarily interested in converting the mortgage type qualify. (fixed to adjustable, adjustable to fixed, mortgage term) |
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All Prospects primarily interested in obtaining cash out qualify. |
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All Prospects primarily interested in consolidating debit qualify.
(roll 2nd into new 1st, credit card or other debt) |
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Because our criteria allows some leads to be credited that could still be converted to loans. We reserve the right to call on any credited lead and transfer it to another customer or bill you for the lead if you are continuing to contact a lead that you did not pay for. |
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Current Reverse Mortgage Lead Criteria
While most other lead providers use information collected by the telemarketer to qualify lead criteria, we use the criteria information verified by loan officer after the transfer to qualify the lead. If loan officer does not verify information on lead sheet, criteria information provided by the telemarketer will be used to qualify the lead.
Current Debt Lead Criteria
While most other lead providers use information collected by the telemarketer to qualify lead criteria, we use the criteria information verified by the debt specialist after the transfer to qualify the lead. If debt specialist does not verify information on lead sheet, criteria information provided by the telemarketer will be used to qualify the lead.
Current Credit Repair Lead Criteria
While most other lead providers use information collected by the telemarketer to qualify lead criteria, we use the criteria information verified by the credit repair specialist after the transfer to qualify the lead. If credit repair specialist does not verify information on lead sheet, criteria information provided by the telemarketer will be used to qualify the lead.
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