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providing brokerages and lenders with the highest quality mortgage leads available. tag:411MortgageLeads.com,2005:dfb679d58ab4e7a46803a7b9e0efffca/terminology Textpattern 2010-08-09T00:19:20Z Lorn Graskie math0ne@gmail.com http://411MortgageLeads.com/ Lorn Graskie 2007-01-17T00:27:08Z 2007-01-17T00:27:08Z tag:411MortgageLeads.com,2007-01-16:dfb679d58ab4e7a46803a7b9e0efffca/31fa4d434e2299cb1aa884dccd18d943 <p>This is the process whereby skilled lead generation companies acquire home refinance mortgage leads for mortgage brokers. This allows brokers to save time on tracking down leads, and avoid dealing with dead ends. Ideally, lead generation sources come up with leads that are pre-qualified, fresh, and exclusive. Using a lead generation service can be particularly helpful in terms of helping brokers get into flooded markets like the California mortgage leads market.</p> Lorn Graskie 2007-01-17T00:26:55Z 2007-01-17T00:26:55Z tag:411MortgageLeads.com,2007-01-16:dfb679d58ab4e7a46803a7b9e0efffca/69749c031ffdd9312a488fba1f9910f7 <p>These refinance leads are generated online by homeowners who fill out forms. These leads tend to have a very strong conversion rate because they connect lead generation companies with individuals that are interested in refinancing enough to fill out a form. Mortgage lead generation companies that do their own internet marketing to get homeowners filling out these forms tend to produce very high-quality, exclusive mortgage leads. Buy mortgage leads from these companies rather than those who get all their leads from credit companies or telemarketing.</p> Lorn Graskie 2007-01-17T00:26:40Z 2007-01-17T00:26:40Z tag:411MortgageLeads.com,2007-01-16:dfb679d58ab4e7a46803a7b9e0efffca/053df46101bab63265a30448144a36aa <p>This is a refinance mortgage lead for a jumbo mortgage. “Jumbo” refers to a non-conforming mortgage, or rather, one that is larger than the purchasing limit set by Fannie Mae and Freddie Mac. California mortgage leads are often jumbo leads due to the high cost of living and value of property on the west coast.</p> Lorn Graskie 2007-01-17T00:26:15Z 2007-01-17T00:26:15Z tag:411MortgageLeads.com,2007-01-16:dfb679d58ab4e7a46803a7b9e0efffca/dc42ab937c276a81cc011882b3dd6ba1 <p>This is a unique type of loan available only to senior homeowners with a lot of equity invested in their home. When brokers connect with this type of homeowner thanks to a home mortgage refinance lead, they can help the homeowner stop making mortgage payments, and instead, start receiving monthly amounts based on their home equity. These loans do not have to be repaid until the home is sold, and can be a great way for elderly homeowners to enjoy the equity they have invested in their home while still living in it.</p> Lorn Graskie 2007-01-17T00:26:00Z 2007-01-17T00:26:00Z tag:411MortgageLeads.com,2007-01-16:dfb679d58ab4e7a46803a7b9e0efffca/29c78b63c12199bf882bc6c0d811cefc <p>A type of loan offering available to homeowners. A traditional mortgage product might be a fixed rate or adjustable rate mortgage, while a nontraditional mortgage product would be a payment option ARM, or an interest-only mortgage loan. Nontraditional mortgage products paved the way for the rush of cheap mortgage leads enjoyed by brokers in the early 00’s.</p> Lorn Graskie 2007-01-17T00:25:44Z 2007-01-17T00:25:44Z tag:411MortgageLeads.com,2007-01-16:dfb679d58ab4e7a46803a7b9e0efffca/db81bdc8b22cfac40f21d3d1eeda5598 <p>This is a type of mortgage that became popular in the 1990s. It charges a high rate of interest to borrowers who would not normally qualify for loans due to bad or nonexistent credit histories. It can be considered good because it gives people a chance to own a home who would not normally get that chance, but it can also be considered bad because it leads to increased instances of defaults and foreclosures. Subprime mortgage borrowers who have proven themselves can often be a great source of home mortgage refinance leads.</p> Lorn Graskie 2007-01-17T00:25:28Z 2007-01-17T00:25:28Z tag:411MortgageLeads.com,2007-01-16:dfb679d58ab4e7a46803a7b9e0efffca/67711e40a7397db76c716db3358f07e8 <p>These home refinance mortgage leads are confirmed by tele-representatives twice over the phone to make sure that the lead is interested in refinancing. This is considered to be a much more effective way of generating high-quality mortgage leads than the single-verification process.</p> Lorn Graskie 2007-01-17T00:24:50Z 2007-01-17T00:24:50Z tag:411MortgageLeads.com,2007-01-16:dfb679d58ab4e7a46803a7b9e0efffca/fa019e62c7e42b534a3bdc6614222252 <p>This refers to the percentage rate at which a given type of home mortgage refinance lead converts into a closed sale. A closing rate of about 20% is very respectable. When you buy mortgage leads, the more expensive leads will have a better conversion rate, while cheap mortgage leads may require more effort in order to convert.</p> Lorn Graskie 2006-05-25T20:46:51Z 2006-05-25T20:46:51Z tag:411MortgageLeads.com,2006-05-25:dfb679d58ab4e7a46803a7b9e0efffca/591a7204de1354a593416cd55b8c8533 <p>When borrowers need larger loan amounts than they currently have, they can take out a second mortgage on top of, and subject to, a first mortgage. This “junior mortgage” is generally used in cases of combination financing.</p> Lorn Graskie 2006-05-25T20:46:35Z 2006-05-25T20:46:35Z tag:411MortgageLeads.com,2006-05-25:dfb679d58ab4e7a46803a7b9e0efffca/7f71ba48eab9fe9a873a862a7870af92 <p>This process entails securing a new loan on a property that has already been loaned against, and using this new amount to pay off the previous loan. The borrower can use a cash-out refinance to get cash for legal purposes from the loan amount. </p>