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.

🤖 Redefining Pre-Underwriting: How AI is Reshaping Mortgage Operations

By admin

October 14, 2025

213

In the mortgage world, efficiency and accuracy define success. Yet, traditional underwriting still struggles with slow document reviews, manual data entry, and inconsistent risk assessments. The result? Delays, higher costs, and frustrated borrowers.

Enter AI-powered pre-underwriting — the smarter way to screen and prepare loan files before they reach the underwriter’s desk.

💡 What Exactly Is AI-Driven Pre-Underwriting?

Pre-underwriting is the critical first step in assessing loan eligibility. By using artificial intelligence, this stage can be fully automated to validate borrower data, analyze income and assets, and highlight inconsistencies instantly.

At Heritus Algorix, our intelligent pre-underwriting engine leverages advanced machine learning and document recognition to evaluate every file with speed and precision — ensuring that only complete, high-quality cases move forward.

⚡ The Core Advantages of AI in Pre-Underwriting

Unmatched Speed
AI reviews hundreds of data points in seconds, drastically reducing turnaround time.
Error-Free Accuracy
Algorithms catch missing documents, inconsistent figures, and compliance issues early on.
Operational Efficiency
Automated workflows cut down manual workload, saving both time and cost.
Enhanced Borrower Experience
Faster evaluations mean quicker approvals and fewer back-and-forths with borrowers.
Scalable for Growth
Whether processing 100 or 10,000 files, AI scales effortlessly with your business.

🔍 Why Lenders Are Making the Shift Now

With rising regulatory demands and shifting interest rates, mortgage teams need tools that keep them agile. AI pre-underwriting minimizes human error, ensures compliance, and accelerates loan decisions — transforming the underwriting process from a bottleneck into a business advantage.

🧠 The Heritus Algorix Difference

Our proprietary AI Pre-Underwriting Suite blends predictive analytics, OCR, and automated decisioning to deliver end-to-end pre-underwriting intelligence.
We empower lenders, brokers, and financial partners to process smarter, faster, and more confidently.

📈 Heritus Algorix is shaping the future of mortgage technology.
If you’re ready to elevate your underwriting operations, it’s time to explore the power of AI-driven automation.

👉 Visit Heritus Algorix to see how intelligent pre-underwriting can transform your mortgage process.

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