How do you verify lead quality before transfer? (credit score, equity position, loan amount)

Our Reps are all trained as per the experience, they ensure they ask all these questions from the customer to verify we have the right prospect.

What specific refinance criteria do you screen for? (rate reduction threshold, cash-out needs)

The Criteria is based on the Minimum rate, Balance, they should not have late payments in 1 year, No Refinance in the last 1 year, No Bankruptcy or foreclosure in 3 years, and should be interested to pull some cash, credit, and monthly payments.

What percentage of transferred leads are serious borrowers vs. rate shoppers?

It all depends on the proposal given, but we try to have the highest percentage of serious buyers.

How recent are leads when transferred? (minutes/hours old)

They are minutes and seconds old.

What channels generate these refinance leads? (paid search, social media, organic)

These are all opt-in leads from all social sources.

What percentage of leads come from rate-and-term vs. cash-out refinance interest?

Depends on the market. Right now we focus on the cash-out refinance.

How do you differentiate between purchase and refinance intent?

We only do refinance intent and not purchase.

Can you provide case studies from lenders with similar business models?

You can visit our website for various references.

What's your pricing model? (per transfer, per qualified call, per closed loan)

It all depends on the module—FHA, VA, or Conventional—and also on the filters from the buyers.

Do you offer performance-based pricing or money-back guarantees?

All leads are based on the per call price, and any lead that does not match the pre-decided filters is not counted as billable.

Are there volume-based discount tiers?

No, for us the price remains the same, as we do not hamper quality whether you buy 1 or 100 leads.

How do you handle disconnected numbers or wrong parties?

These are all live transfers, hence no disconnected numbers.

What's your refund policy for non-qualifying leads?

Any lead not matching the filters is not qualified.

How do you ensure TCPA/FCRA compliance for live transfers?

All leads we dial are opt-in, ensuring we have the consent needed to call them and take details.

What disclosures do consumers receive before being transferred?

We inform consumers that this is not a sales call and that we are offering a quote to help them get the best deal.

How do you handle Do Not Call list compliance?

We are registered with the National DNC and have our own SAN Number. Anyone who requests to be added is passed to our internal DNC team.

What's your service level agreement for lead transfers?

We have an IO and Master Agreement that we send to buyers.

How do you handle after-hours leads?

Before we set up the campaign, we ensure leads are transferred according to the buyer's hours. No lead is sent after hours; if any are, they are not billable.

What reporting do you provide in real-time?

Customer details are passed via API so that once the call gets transferred, loan officers have all the details.

🏡 Mortgage Refinance Update – July 2025

By admin

July 21, 2025

496

Mortgage House Loan Website Login Graphic Concept

Should You Refinance Now? Here’s What You Need to Know

In 2025, the mortgage refinance landscape has seen important changes—driven by interest rate trends, inflation control policies, and shifting borrower behavior. Whether you’re a homeowner considering refinancing or a financial marketer generating refinance leads, staying informed is crucial.

📉 Current Refinance Rates – July 2025

As of mid-July 2025, refinance rates are hovering around:

30-Year Fixed Refinance: ~6.35%
15-Year Fixed Refinance: ~5.75%
5/1 ARM: ~5.90%

These rates have dipped slightly after months of Fed rate stability. While not at 2021 lows, they are still favorable compared to late 2023 highs.

💡 Is It a Good Time to Refinance?

Refinancing can still be a smart move—especially if:

✅ Your current rate is above 7%
✅ You want to switch from an ARM to a fixed rate
✅ You want to shorten your loan term
✅ You’re consolidating high-interest debt
✅ You need cash for home improvements (cash-out refinance)

🔄 Cash-Out Refinancing on the Rise

Many borrowers in 2025 are opting for cash-out refinancing, leveraging their home equity to access funds for:

Medical expenses
College tuition
Debt payoff
Renovation projects

💡 Pro Tip: Cash-out refis typically carry slightly higher rates—borrowers should compare offers from multiple lenders.

🧠 What Borrowers Should Know

Credit Score Still Matters: 700+ is ideal, but some lenders offer options as low as 620.
Home Appraisals Are Back: With the market stabilizing, appraisals are again a key step.
FHA/VA Options: Great for those with limited equity or unique loan situations.

🧲 For Marketers & Lead Generators

If you’re in the mortgage lead generation business, here are a few current trends to capitalize on:

Target FHA/VA Refinance: Less saturated, growing demand
Mobile-first funnels: 70%+ of traffic comes from smartphones
Real-time lead delivery: Lenders demand speed & quality
Local targeting: State-wise campaigns perform better with custom offers

📌 Final Thoughts

Refinancing in 2025 isn’t one-size-fits-all. But with slightly lowered rates, solid home equity, and rising household needs, now is still a strong time to consider a refinance—especially if you act before potential rate hikes later this year.

📞 Thinking of refinancing? Talk to a trusted lender or get pre-qualified to explore your best options.

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