-900,000 available
-Generated between March 2010 and Present.
-Ideal for call centers and dialers
-100% DR TV inbound transfers
Smart leadz wholesale pricing:
2.5-15 cents per lead depending on volume.
Call or email:
1-888-695-3239
Wednesday, December 29, 2010
Tuesday, December 28, 2010
Reverse Mortgage - What is a Reverse Mortgage & How Can I Use Reverse Mortgage Leads to Boost My Business?
Across the country, more and more senior citizens are facing the conflict of living on a fixed income while having to pay rising costs for energy and other daily needs. Consequently, reverse mortgages are gaining in popularity as a way for senior homeowners to receive cash against the value of their home, but unlike other loans, they are not required to pay the loan back on a monthly basis - in fact, the loan doesn't have to be paid back as long as they live in the home. Reverse mortgage leads are an up and coming segment of the market, but without the saturation facing the refinance area.
Reverse Mortgage Market Less than 1% Penetrated
According to a press release from Hollister Group, LLC & NRMLA, Americans age 62 or older hold an estimated $4.3 trillion of home equity. The index(RMMI) which was launched last week is the first market indicator to collect critical market, housing and demographic data, as well as track and project the market for reverse mortgages. According to the press release, in the first quarter of 2007, there was a $19 billion increase in senior home equity. This increase was reflected in a 0.4% increase in the RMMI to 205.6 from 204.7 in the prior quarter. The index will be updated to reflect the current value of senior home equity on a quarterly basis.
Interesting observations and statistics from the inaugural launch of the RMMI, include:
- RMMI projects as much as $37 trillion in home value by 2030, from which home equity figures are derived, assuming historical appreciation and taking into account the demographic shift as boomers begin to turn 62;
- The average home equity in a senior-owned household is estimated to be about $230,000 according to the Hollister Group;
- Current $19B growth in Q1 2007 is the lowest increase of all quarters from 2000;
- 2004 and 2005 experienced the strongest growth in home equity — $464 billion and $600 billion respectively.
Reverse Mortgage Market Currently at $4.3 Trillion, Less than 1% Penetrated
Reverse Mortgage Leads
Homeowners who meet the eligibility criteria can complete a reverse mortgage application by contacting a FHA-approved lending institution such as a bank, mortgage company, or savings and loan association. If you need assistance locating a FHA-approved lender, you can request a listing of FHA-approved lenders from the HECM counselor or use HUD's searchable listing.
Borrower Requirements:
- Age 62 years of age or older
- Own your property - Occupy your property as primary residence - Participation in a consumer information session given by an approved HECM counselor
- Mortgage Amount Based On
- Age of the youngest borrower - Current interest rate - Lesser of appraised value or the FHA insurance limit
- Financial Requirements
- No income or credit qualifications are required of the borrower - No repayment as long as the property is the primary residence - Closing costs may be financed in the mortgage
- Property Requirements
- Single family home or 1-4 unit home with one unit occupied by the borrower - HUD-approved condominiums - Manufactured homes and leased land - Meet FHA property standards and flood requirements
How the Home Equity Conversion Mortgage Program Works: Homeowners 62 and older who have paid off their mortgages or have only small mortgage balances remaining, and are currently living in the home are eligible to participate in HUD's reverse mortgage program. The program allows homeowners to borrow against the equity in their homes. Homeowners can select from five payment plans:
- Tenure - equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence.
- Term - equal monthly payments for a fixed period of months selected.
- Line of Credit - unscheduled payments or in installments, at times and in amount of borrower's choosing until the line of credit is exhausted.
- Modified Tenure - combination of line of credit with monthly payments for as long as the borrower remains in the home.
- Modified Term - combination of line of credit with monthly payments for a fixed period of months selected by the borrower.
Homeowners whose circumstances change can restructure their payment options for a nominal fee of $20. Unlike ordinary home equity loans, a HUD reverse mortgage does not require repayment as long as the home is the borrower's principal residence. Lenders recover their principal, plus interest, when the home is sold. The remaining value of the home goes to the homeowner or to his or her survivors. You can never owe more than your home's value. If the sales proceeds are insufficient to pay the amount owed, HUD will pay the lender the amount of the shortfall. HUD's Federal Housing Administration (FHA) collects an insurance premium from all borrowers to provide this coverage.
The amount a homeowner can borrow depends on their age, the current interest rate, other loan fees and the appraised value of their home or FHA’s mortgage limits for their area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow. For example, based on a loan with interest rates of approximately 9 percent, and a home qualifying for $100,000, a 65-year-old could borrow up to 22 percent of the home's value; a 75-year-old could borrow up to 41 percent of the home's value; and, an 85-year-old could borrow up to 58 percent of the home's value. The percentages do not include closing costs because these charges can vary. There are no asset or income limitations on borrowers receiving HUD's reverse mortgages.There are also no limits on the value of homes qualifying for a HUD reverse mortgage. The value of the home will be determined by an appraisal. However, the amount that may be borrowed is derived from the lower of the appraisal amount or FHA mortgage limit for the area, which varies from $200,160 to $362,790. For Alaska, Guam, Hawaii and the Virgin Islands, the FHA mortgage limits may be adjusted up to 150 percent of the ceiling depending on the area. The FHA limits usually increase each year. As a result, owners of higher-priced homes can't borrow any more than owners of homes valued at the FHA limit. HUD's reverse mortgage program collects funds from insurance premiums charged to the homeowners. Homeowners are charged an upfront insurance premium, which is 2 percent of the maximum claim amount that may be borrowed, plus a .5 percent annual premium.
Monday, December 27, 2010
High Impact Data Lists & Direct Mail Campaigns - Industry Specific
Phone: 1-888-695-3239 | www.smartleadz.com
Aged Leads
Mortgage Leads
Insurance Leads
Commercial Loans
Debt Consolidation
Equipment Leasing
Factoring
Payroll Services
Time & Attendance
Business Loans
PEO Leads
Note Buyers
Structured Settlement
CRM Leads
Hard Money Loans
Merchant Accounts
Merchant Advances
Background Checks
Franchising
Mailing Lists
Collection Services
Telemarketing
Inbound Call Center
Teleconferencing
Web Design
Web Hosting
Real Estate
Lawyer
IVR
Software
Phone Systems
T1 Leads
Video Conferencing
Copiers
Moving
Security Systems
Auto Loans
Automobiles
At the start of the second quarter in 2007, FHA had insured almost as many loans as in all of 2006! And the demand is growing stronger. (Source: Mortgage Originator Magazine)Utilize FHA loans for these markets:
Foreclosure Bail OutOffer hope to those that are facing the possibility of foreclosure. This subject is sensitive in nature so sending a message of optimism is the best way to connect with this niche. 1st Time HomebuyersLet your First Time Homebuyer niche know that FHA is an option! Send them FHA First Time Homebuyer Postcards to spread the good news that FHA can help them buy a home.
Non-Traditional Credit With the recent sub-prime fall out, many people with lower credit scores feel as though their dream of owning a home isn’t within reach anymore. You can be the bearer of GREAT news and let them know FHA can help!
Refinance Make sure your clients and prospects know that rates are still great to refinance… and that FHA can help get them to a financially safe and secure spot.
Prior Bankruptcy Bankruptcy is tough to bounce back from, and your clients and prospects that have experienced it need extra special care. Let them know there is a solution for them and FHA can help!
College Target college students and their parents now! Make sure they know the value of investing in property during college- and the perks that doing so offers in the future!
Mortgage Lead Buying Guide
A Complete Guide to Internet Mortgage Leads:
The Internet has revolutionized the way consumer's evaluate, compare and choose mortgage products and services. Every day more and more mortgage shoppers utilize the Internet to study and purchase home mortgages. As a mortgage broker you must recognize this industry shift and learn to utilize this tool. Each day thousands of mortgage seekers fill out forms on thousands of mortgage leads generation websites requesting more information on mortgage loans or quotes from mortgage lenders. These mortgage leads are made available to you by an array of internet mortgage leads generation brokers. The BIG question is, are these internet mortgage leads worth your effort and money? Will the return on investment be there? In this article we will discuss the in and outs, do and don'ts and questions you should ask when purchasing internet mortgage leads. Careful consideration must be given to purchasing internet mortgage leads. In this mortgage lead guide we will discuss: What makes a quality Internet Mortgage Lead?What you should expect from an Internet Mortgage Lead?Closing the sale to your Internet Mortgage LeadQuestions to ask before purchasing Internet Mortgage Leads Quality Internet Mortgage Leads: What makes a quality internet mortgage lead? A lead that CLOSES. Not necessarily. We all know that not all leads will close. In fact if I was able to close between 8% and 14% of the mortgage leads I purchase on the internet, I would be happy. I consider a mortgage lead to be a high quality lead if it meets the following criteria:-The Lead is Fresh -It is critical to find out how quickly mortgage lead brokers turns the lead around and delivers it to you. Best case scenario, the lead is delivered instantly (a real-time mortgage lead) and it is an exclusive mortgage lead (only delivered to you). At a minimum you want to make sure the lead is delivered in less than 48 hours. Otherwise, the lead is less valuable and should not be sold at the same premium as a real-time mortgage lead. The more time that passes from the time the user requested information, the less your chances of closing the sale to this lead. I've seen many cases where users deny even requesting information. The quicker you contact them, the less likely this is to happen. Hit while the iron is hot.-The Lead is AccurateOne of the biggest challenges mortgage lead generation companies face is obtaining accurate data from users. No matter what type of technology a mortgage lead company claims to have, no company can completely stop users from entering inaccurate data. A recent example of technology to improve data accuracy is telephone number/location verification. Companies use software to make sure the area code in the phone number matches the state. This is a nice feature because chances are if a user is going to enter a bogus phone number they will not enter the correct area code. What you must do is evaluate mortgage lead generation companies and decide who has the best solution to fit your needs.-The Lead is a True LeadWhat do I mean by a true lead? I consider a true lead to be a lead that was actually generated by someone that is truly interested in obtaining a mortgage. You have to be careful that the lead is not an ‘Incentivized Lead’. For those of you that aren’t familiar with this new term I will explain. Many websites today offer users incentives to fill out forms. In exchange for filling out these forms users are given points towards the purchase of merchandise or even money. Make sure you stay away from companies that have anything to do with incentivized leads. These leads are worthless !!! What you should expect from an Internet Mortgage Lead? This is simple. Don’t set your expectations to high. Like I said earlier it would be great to close at a rate 8% - 14%. Remember that you are buying leads, not sales. Expect accurate data 80% of the time and try to close at least 8% of these leads and you should be doing very well for yourself. Closing the sell to your Internet Mortgage Leads Again, this is a simple concept. The quicker you contact the lead, the better the chance of closing the sale. The first thing you should do is make contact. Once you have made contact with the lead ask questions and find out what they are looking for. After this initial contact you can follow up with a quote and answers to their questions. Quick response, quick response, quick response !!!! Questions to ask your Mortgage Lead Generation Company These are the not so obvious but very important questions to ask.What is your lead return policy?It is vital that you find this out before purchasing Internet Mortgage Leads. Bad leads are worthless to you and at approximately $50 each, this can get expensive quick. No batch of leads will be completely accurate, but you want to make sure that the percentage that is bad is not greater than 10% - 15%. Tip:Ask the company what makes a lead returnable. What makes the lead invalid? Different companies will have different policies on what constitutes a bad lead.How many times are your leads sold?When purchasing leads you must make sure those companies aren’t overselling the leads they generate. The best lead is an exclusive mortgage lead, meaning you are the only person the lead was sold to. Exclusive mortgage leads are more expensive but you are ensured that you should be the only person receiving the lead. If the lead isn’t exclusive find out how many other times the lead has been sold. The more mortgage brokers that receive the same lead the less chance you have of closing the sale. What filters are available for your leads?Filters allow you to set criteria for the mortgage leads you receive. Example: You could specify that you only want leads for mortgage seekers that have a ‘Good’ credit rating or better or you could specify that you only want leads from ‘Colorado’.How are the leads delivered?Find out what format the leads are delivered. Leads may be delivered in text format, Microsoft Excel, email, etc. Make sure it is a format you are able to work with.How do you generate your leads?Find out what method the company uses to generate Internet Mortgage Leads. Make absolutely sure there is NO INCENTIVIZING. -Mortgage Lead Guide- For more information about how to develop a successful mortgage lead campaign please call Smart Leadz at: 1-888-695-3239 and speak with one of our lead specialists. We can custom tailor a campaign to meet your exact needs and budget.The #1 Secret To Increasing Sales In Any Economy
The #1 Secret to Increasing Sales In Any Economy
Have you ever had a prospect come up with a deal-killing objection just when you thought you had the sale? They'll tell you the price is too high, they're not ready to buy right now, want to think about it, can't get the boss to approve it, or worst of all, "aren't interested," when you know for a fact they need your product or service.What do you do? Do you try to counter each objection, and convince them to buy? Trying to Overcome Objections Is The Wrong ApproachThe common reaction when a potential customer brings up an objection is to ramp up your sale pitch, to counter the objection and get past it. And that's where the problems start!As soon as you overcome one objection, the client raises another and on it goes. And by falling into this trap you've put yourself into a defensive position, a position of weakness instead of strength. The easier way to get more sales is to avoid being dragged into this process of trying to overcome objections to start with. When I first started out in business, I didn't know how to handle the common objections that were killing too many sales. And it really annoyed me. That was until I discovered one simple truth about selling. And I'll tell you what it is in just a second, but let me ask you two questions first.Who are prospects more likely to be convinced by; themselves, or you?Who is better at closing the sale; the prospect, or you?Every smart sales person knows the answer is it that "convincing" people is a big waste of time. It can occasionally work but most of the time it's a bad idea. Savvy sales people know their role is to help their prospects identify their concerns and find the solution. When you do that—no convincing, no pitching is needed.Discover the fastest way to increase sales.The Truth About Selling More
The simple truth about selling-and the secret to selling more—is that your prospects are better at closing the sale than you are, if you lead them to it.Once you understand this and put this breakthrough technique into practice, you'll close many more sales. This approach turned my career and my business around and changed my life. It can do the same for you.You can increase sales with less effort and less expense!Address Concerns Instead of Objections to Sell MoreIf you want to be successful, you need to know how to avoid prospects' deal killing objections in the first place. And the easiest way to do that is to eliminate them before they surface. When you do, you'll find yourself closing more sales in less time.Remove the obstacles to the sale before prospects get stuck on them and you'll remove their resistance and sell more of your products and services—again and again. B.tracy
How can I grow my business with Factoring?
The accounts receivable and the responsibility for the collection are sold rather than provided as loan collateral, and the client must notify all of its customers of the new arrangement. This can involve a very substantial payment being made right at the start, with most factors paying 70% to 90% through initial advance of the invoice amount followed by a small additional payment, through reserve release, once they collect the invoice.
Over the course of time, factors may offer the liable individual or entity a discount from 2% to 5% or more on the outstanding debt. Factors advance funds under one of two conditions: non-recourse, where the factor assumes all the liability for the invoice, this costs quite a bit extra but can be advantageous, with insurance typically covering 80% of a debt rather than the whole thing, or recourse, where the factor can come back to the business should the invoice become uncollectible and require reimbursement.
Even though some factors buy the invoices from a company, their contracts are very specific that if an invoice is not paid within a certain period of time, usually 30 to 90 days, the factor will reclaim any advances it has made against the invoice. Factoring is designed to be more beneficial to the seller of the account than to the debtor. The seller receives money, while the buyer makes a profit by buying the account for less than what it was valued at and then collecting on it.
Factoring allows a buyer to purchase these accounts for around 25% less than what they are actually worth. Setting up a factoring deal can be done more quickly than most other forms of finance. The staff at factoring companies are more commercial than at other lending institutions, and will work to find a solution for potential client companies. There are some possible disadvantages, the main ones being cost and the fact that clients have to deal with the factoring companies.
Factoring can also be a gamble for the factor, because there may be bad debts or other obstacles to collecting the funds. Therefore, factors have begun running credit checks and assessing the financial health of potential clients before entering into a factoring arrangement. Clients provide annual reports and other indicators of financial health to factors before they are approved. Factors often establish a credit line with clients and dictate the amount of credit that their clients can offer to customers.
1-888-695-3239
What you should know before you buy DEBT SETTLEMENT LEADS
SmartLeadz Intelligent Marketing Solutions | The industry leader in sales lead generation
888-MY-LEADZThousands of qualified and motivated borrowers are seeking assistance with their
home financing needs from lenders in our network every single day.
Homeowner’s who are trying to avoid bankruptcy are on the internet right now requesting your help for a loan modification, short sale and loss mitigation services. Lend a hand and help these homeowners save their home.
Customers who are buried in debt need help and are waiting for your call. We capture motivated and qualified customers who have at least 10k or more in debt who want a debt settlement program to eliminate their high interest debt. Tailor your campaign and help these customers with their debt problems.
Start Speaking To Qualified & Motivated Prospects Today!
* Increase monthly sales volume & make 2009 a success!* Stimulate your pipeline with a fresh supply of leads today.
* Decrease marketing costs with a more targeted approach.
* Tailor a campaign to meet your exact needs and budget.
* Improve loan officer retention with a consistent flow of quality leads.
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What Do We Offer?
Smart Leadz offers conventional Purchase/Refi, FHA/VA Streamline, Loan Mod, Reverse
Mortgage and Expiring ARM Leads as well as debt settlement, loan modification and IRS/Tax debt leads.
_______________________________________________ * Fresh Qualified Leads Delivered Daily
* Exclusive & Delivered Real Time
* Triple Verified For Accuracy
* No Setup Fees or closed loans fees
* Customized Filters to meet your needs
* Live Call Transfer Feature 'IVR'
* Not Generated From Spam
* No minimum To Purchase
* High Conversion Ratios
* Generous Lead Return Policy
* Dedicated Account Manager
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About SmartLeadz:
We are committed to quality service. We value our customers and our goal is to provide
a successful, long term business relationship. No fluff just results. We do not
use any tactics, contests, giveaways, incentives or use false information to lure
people into filling out an application. We will promptly credit any lead that meets
our written Return Policy criteria.
Lead Guidelines:
We practice truthful and targeted value added advertising methods
that capture qualified and motivated prospects and deliver to them to you in real-time
and on budget.
contact. No “Co-registration” We do not re-purpose or develop one type of lead and try to sell it as another.Smart Leadz does not use any gimmicks, spam or incentives to drive traffic. We do not work with or facilitate websites that use or encourage illegal, unethical or misleading practices. SmartLeadz has delivered over $60 billion in funded applications to our clients.
Start speaking to qualified and motivated borrowers today. Don't just survive in today's market... THRIVE!
1-888-695-3239
Services offered by smartleadz.com
What Type of Leads Does Smart Leadz Offer? • Mortgage: (Refinance / Purchase, FHA & VA Streamline, Reverse)
Menu of services:
-Internet Lead Generation
-Triple Verified Live Call Transfers
-TV/Radio Transfers
-IVR Voice Broadcast / voice mail appended
-Opt-in Email Marketing
-Direct Mail
-Data Lits|Co-reg|Triggers
-SEO/SEM/Traffic Path
• Loan Modification
• IRS TAX Debt Resolution
• DEBT Settlement
• Auto Loan Modification
• Commercial Loan Mod & Finance
• Real Estate
• Financial - Stock & Property Investor Data
• Insurance
• Auto
• Education
• Business Loans
• Merchant Cash Advance
• MLM | Business Opportunity
• Pay Day
• Cash Advance
• Credit Repair
Benefit of a Smart Lead:
• Fresh Qualified Leads Delivered Daily Limited Time Offer - Earn 5 FREE Leads 1-888-695-3239 Smart Leadz cares about your ROI so we have partnered with Lead Mailbox and provide you with a free $500 Lead Mailbox account. Not only can you track and manage your lead campaign but you can also schedule call backs, mass email and improve your contact ratio!
• Exclusive & Delivered Real Time
• Triple Verified For Accuracy
• No Setup Fees or closed loans fees
• Customized Filters to meet your needs
• Live Call Transfer Feature 'IVR'
• Not Generated From Spam, Gimmicks, Incentives
• No minimum To Purchase
• High Conversion Ratios
• Generous Lead Return Policy
• Dedicated Account Manager
When you Register with Smart Leadz & Purchase Any 50 Lead Trial Campaign!
Connecting You With More Customers is Our Business!
Permission Based opt-in Email Marketing - Smart Marketing Tips From Smart Leadz
Permission Based Email Marketing Vs. Unsolicited Bulk Email or "SPAM".
To target your desired market you need to work with true opt-in email marketing where the potential prospect has given permission to be contacted and who has expressed interest in receiving information and special offers related to your industry.
Permission based email marketing should be part of your marketing mix. Permission based email marketing allows you to safely and professionally get your message to a large group of people, for a very low price. Permission based email marketing can get your message to thousands of prospects in just minutes. Permission based email marketing and unsolicited bulk email are two completely different animals that are often confused for one another.
Permission Based Email Marketing Has Several Distinct Advantages Over Unsolicited Bulk Email:
Permission based email marketing is legal, unsolicited bulk email is illegal. Need we say more? Permission based email marketing is only sent to people who have specifically requested to receive marketing messages for products and services like yours, specific to their individual interests. These are people who spend time and money on the internet! Unsolicited bulk email is not targeted and the lists are ridiculously over-used resulting in dismal results if any. Permission based email marketing is received with open arms. Spam is loathed and often retaliated with flames and mail bombs. Permission based email marketing with a reputable company eliminates the risk of costly lawsuits and losing your ISP. Permission based email marketing is a fraction of the cost of traditional marketing and provides higher returns. Spam costs about the same, until you get caught or flamed. Permission based email marketing portrays a professional, ethical image - unsolicited bulk email does not. Why would anyone in their right mind do business with a company that engages in this type of illegal behavior? Permission based email marketing turbo-charges your business communication - high speed, high volume, low cost distribution to a specifically targeted list of email addresses. We guarantee the lowest prices, highest deliverability rates and most extensive email list directory. Permission based email marketing gives you the opportunity to send your message including your Website URL, email address and company information without violating any Web Hosting or ISP agreement. This is absolutely the safest and most professional way to send your message.
Monday, December 13, 2010
What Is Trigger Data? How Can You Use Trigger Leads To Boost Your Business?
SmartLeadZ.com
1-888-695-3239
WHAT IS A TRIGGER LEAD?
A trigger lead is a hard inquiry into a persons credit for the purposes of a mortgage. These are the best leads in the business.
A trigger lead is a hard inquiry into a potential borrowers' credit for the purposes of a mortgage evaluation. These leads are not generated by auto loan applications, insurance inquiries, or applying for a credit card. The credit bureau specifically codes the type of inquiry by industry and credit evaluation type. All mortgage trigger leads are not alike. We only utilize the credit bureaus who analyze the mortgage inquiries from the previous day and can update and deliver the file on your behalf the next business morning. There are some bureaus who "batch" mortgage inquiries a couple of times a week. Some brokers sell this data as a daily trigger lead. We only sell leads that are batched daily and delivered on a daily basis. Everything else is a waste of your time, energy, effort, and money.Accept no substitutes. Weekly batched files are much cheaper for a reason - they don't work. Don't be pennywise and dollar foolish. Insist on getting the best quality.All trigger data records are scrubbed against the "do not call list" prior to purchase. Federal law requires that you obtain and maintain a valid subscriber account number (SAN #) from the FTC for all the area codes in which you receive leads. As with all live credit data, a pre-approved firm offer of credit is required. We provide our clients with FCRA compliant telemarketing scripts at no additional charge.
WHO CREATES TRIGGER LEADS?
The national credit bureaus!
All of our trigger data is exactly what the bureau's have on file for each borrower. They are in the business of recording credit scores, loan balances, repayment histories and countless other pieces of information that empower you to select the exact borrowers that fit your existing portfolio of loan products. Take the guess work out of your marketing. Utilizing the leads gives you a unique and powerful insight that no other mortgage marketing product can offer.This type of information is unmatched in showing you only those prospective borrowers who have already identified. This is information provided by the credit bureau's database system and is flagged by the borrowers "credit pull". All the leads you will receive are from consumers that are in the market NOW. These people are looking for a mortgage and have filled out paperwork to have their credit pulled.This info is not obtained by offering them an incentive, a gift with purchase, or any other form of compensation. Trigger lead information is only created generated when someone has filled out an authorization to have their credit pulled for the purposes of a mortgage evaluation such as a signed form 1003. There simply is no better leads service than this. The source and integrity of this data is unparalleled by any other mortgage data source.
HOW DO I USE TRIGGER LEADS TO BOOST MY PIPELINE & CLOSE MORE LOANS?
Trigger Leads work best when called immediately!
Trigger leads provide you with name, address and phone number of the prospective borrower that fits ALL the demographic criteria you have preselected. When searching for a mortgage, prospective borrowers like choices. Asking them about their situation gives you the opportunity to help borrowers who may have thought they had limited options. Every borrower is motivated by something...credit card debt, a ballooning ARM loan about to reset, cash out...and a hundred other good reasons. Take the time to find out their needs, wants, and desires with the loan they are pursuing. Doing this will allow you to find the best mortgage product available to fit their needs
Remember as with all live credit data, a firm offer of commitment is required. SmartLeadz gladly provides all of our clients with a copy of an FCRA compliant telemarketing script with the appropriate OPT-OUT info as required by law.
Stop cold calling on lists of people who may or may not have an interest to talk to you. With trigger leads, they're in the market for a mortgage right now. Capitalize on the power of this data.
WHAT FILTERS CAN I ADJUST TO TARGET MY DESIRED BORROWER?
- You chose the filters, we'll never charge extra.
- credit score
- revolving debt
- loan balance amount
- any mortgage on file
- number of open mortgage trades
- number of home equity trades
- most recent mortgage number of months
- aggregate balance/open mortgage trades
- highest balance for mortgage trades
- mortgage monthly payment (total all mortgages)
- aggregate balance for all open trades
- FHA mortgage highest balance
- VA mortgage highest balance
- conventional mortgage highest balance
- total number of trades on file
- current delinquencies
- aggregate balance for open department store trades
- number of major derogatories in past 24 months
- number of minor derogatories in past 24 months
- bankruptcy eliminator
- hispanic ethnicity indicator
- persons age
- first name gender
- home/property value
- home purchase year
- home purchase month
- home purchase price
- loan to value (LTV) ratio
- eliminate mobile homes
- property indicator
- length of residence
- estimated income
- homeowner code
- bankruptcy status
- bankruptcy filing date
- bankruptcy discharge date
Triple Verified Live Transfer leads
Start speaking with qualified and motivated customers who want your help!
Triple Verified delivers interested prospects who are transferred directly after being fully screened, so no more cold calls, busy signals, expensive direct mail or oversold internet leads!
Triple Verified web-based LEAD MANAGEMENT SOFTWARE & OVERVIEW :
1. Keep Track of all Your Transfers forever.
2. Pay only for qualified transfers.
3. Replacement requests on the portal itself.
4. Fully Efficient QC Monitoring.
5. Export all data to your PC with Just a single Click.
We are a live lead transfer company with experience of more than 11 years in generating live transfers. We generate live transfer leads for Debt Settlement, Loan Modification, FHA, VA, Conventional Refinance and Reverse Mortgage.
We have an online web-portal where you get the relevant info of prospect before you speak with them. We have a very flexible credit policy where we issue the replacement of bad lead at the earliest.
NO SETUP FEE. NO HUGE MINIMUM ORDERS. NO TIME-BOUND CONTRACTS.
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About us - We are in the business of generating live transfers for almost more than 4 years now. We have more than 10 Call Centres under our belt that call up the home-owners and check if they qualify as per the filters you want and if they are interested to do the business. They then generate the transfers and send it over to our in-house verification department.
Delivery and Quality - We have our 8 seat in-house verification department that verifies the information and the true intent of the prospect before transferring the calls to our clients (Debt Specialists / Loan Officers).
So NO BOGUS LEADS, NO PUSHED CUSTOMERS, NO COACHED CUSTOMERS, NO NOT INTERESTED CUSTOMER AND NO MORE NON QUALIFIED PROSPECTS. In other words we save your Time, Money and Effort by proving you a double verified lead.
Credit Policy - We have a very flexible credit / rejection policy which enables you to get the replacement for any lead that you think is bad. We immediately issue the credit for the bad lead.
Online Web Portal - We have a fully functional online web portal which delivers you the lead with a unique ID to track the details. Before the call is transferred, portal itself gets updated for the incoming lead with the unique track ID. You also have a feature to reject / disapprove any lead with your comments. The state of art portal also gives you the facility to manage / schedule your order online.
Pause / Stop / Resume your online Campaign on Portal - Web portal give you an access to pause or stop your online campaign immediately with a single click of button. In between your scheduled campaign of the same day, if you have an urgent meeting or an emergency to attend or if you have one rep to take the call, you can click on pause button until you are ready to take the next call. When you get ready to accept the transfer, you can click on Resume button and we would start sending the transfers again.
Billing only for Transferred calls - Also due to any emergency, in case you are not available to take the call on the prior set schedule, we do not bill you for that lead. We set the call back time with prospect and transfer it to you when-ever you are available to take the call. You speak with only the live prospects.
Please note - We work with some standard filters for every type of lead that you would be looking for and are ready to make the required changes in the filters so as to make it workable for our clients.
Filter's ( Criteria)
Standard Criteria (Loan Modification Program):
*Must have time and be willing to listen to Loan Officers offer.
*willing to fall behind to go for loan modification.
*source of income to pay for Loan Modification.
*foreclosure.
Standard Criteria (Conventional Mortgage):
*Must have time and be willing to listen to Loan Officers refinance offer.
*specific rate that is at least 0.5% above the Freddie Mac rates
*must be at least 10k and must be the primary interest of the prospect)
*with a specified rate of at least 10% combining first and second mortgage / HELOC and must be the primary interest of the prospect.
*Condos. No mobile or manufactured homes.
Standard Criteria (FHA): As per the pre-set FHA guidelines
Standard Criteria (Reverse Mortgage):
*www.zillow.com for every lead prior to transfer, so as to make sure that prospect has required equity.
Standard Criteria (Debt Settlement):
*Must have $10000 Unsecured Debt amount or more
loan
Standard Criteria (Debt Management):
*Must have $5000 Credit Card Debt amount or more
*Must be current on credit card payments for Debt Management.
*Must have at least two high interest rate Credit Cards from two different creditors.
*Must be aware of the name of the creditors and type of cards.
*Standard Criteria ( Credit Repair ):
*Customer serious on getting their credit improved for qualifying for loan etc .
Please note, apart from above mentioned criteria, we are ready to make the req
1-888-695-3239
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1-888-695-3239
Thursday, December 2, 2010
Flordia mortgage leads on sale now!
1,000 Flordia mortgage leads 1-30 days old only sold 2x in real time so this is the first time they are moved in bulk as an aged lead. Speak To Qualified & Motivated Prospects Who Recently Applied For a Mortgage Loan.
$0.49 cents ea. That's only $499.00 for 1,000 leads! Plus receive a free YesMail trial account to help broadcast email your leads and keep in constant contact! A free gift from Smart Leadz to help you maximize your ROI by increasing the contact ratio on your campaign.
Call 888-695-3239 and receive lead delivery the same day you place your order!
All leads are customer initiated through organic search and pay-per-click from prospects in the market for a mortgage.
Leads were only distributed 2x in real time - this is the 3rd and finally time they will be circulated.
Each lead has been verified for accuracy.
Closing ratio on aged internet leads is still 3-6% !
Thousands of fresh leads daily.
No huge up-front minimums.
Dedicated & Talented Account Manager To Assist You.
Don't delay these leads are moving fast and will only be sold 1x so take advantage of this year-end promotion and help you kick-start the new year with a bang!!!
888-695-3239
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