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 Market 2025 – Where Are Rates Headed?

By admin

August 13, 2025

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The mortgage refinance market in August 2025 is experiencing renewed activity, driven by recent drops in interest rates but tempered by lingering uncertainty and elevated costs compared to the historic lows of 2020–21.

Current Mortgage Refinance Rates

As of August 13, 2025:

30-year fixed refinance rates average between 6.7% and 7.2%
- Bankrate: 6.84% APR
- Experian/Curinos: 7.15% average
- Fortune/Zillow: 6.71% average
15-year fixed refinance rates are lower, averaging 5.8% to 6.2% depending on lender and borrower profile.

Why Are Rates Still Elevated?

After peaking above 8% in late 2023, mortgage and refinance rates have declined but remain well above the sub-4% and sub-3% deals from just a few years ago. This is largely due to:

High inflation over the past two years
Multiple Federal Reserve rate hikes to combat that inflation
Lingering economic and political uncertainty

Rates have moderated lately, and the average is expected to stay in the 6.5%+ range for the rest of 2025, barring a significant economic downturn or aggressive Fed cuts.

Is Refinancing Worth It in 2025?

Refinancing can make sense if your current rate is significantly higher than today’s averages, typically by at least 0.5–0.75 percentage points.
Many homeowners already have rates below 5% from the pandemic era, so for them, refinancing is less attractive now.
If you need to tap home equity, consolidate debt, or change the terms of your loan, refinancing could still be a good move—just be sure to calculate closing costs versus potential monthly savings.

Refinance Activity: A Market Bounce?

Recent drops in rates spurred a 23% week-over-week jump in refinance applications, the strongest activity seen since spring. Adjustable-rate mortgages (ARMs) saw revived interest, as their initial rates dipped below 6% for some borrowers—though ARMs carry long-term risks if rates rise again.

Most homeowners are still holding back unless they are well above current rates or have immediate cash-flow needs. Housing economists note that most U.S. mortgages in 2025 were locked in at much lower rates, limiting the potential “refinance wave”.

Market Outlook: What’s Next for Rates?

Economists expect gradual improvement if inflation keeps cooling and the Fed resumes cutting rates by late 2025.
Major banks and housing authorities do not expect rates to drop below 6% until at least late 2026.
The best move for most: shop around, monitor rates closely, and use refinance calculators to project true savings—not just monthly payments, but total cost over the life of the loan.

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