Question 1

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

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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

Question 4

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

Accepted Answer

They are minutes and seconds old.

Question 5

Do you verify contact information in real-time before transfer?

Accepted Answer

Yes we do.

Question 6

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

Accepted Answer

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

Question 7

What specific refinance keywords/content drive your lead flow?

Accepted Answer

Change in Rate, Refinance.

Question 8

Do you use lead qualification tools like rate calculators or affordability quizzes?

Accepted Answer

No we do not.

Question 9

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

Accepted Answer

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

Question 10

How do you differentiate between purchase and refinance intent?

Accepted Answer

We only do refinance intent and not purchase.

Question 11

What's your historical conversion rate for refinance live transfers?

Accepted Answer

Our leads convert from 10-15%.

Question 12

What's your average talk time per transferred lead?

Accepted Answer

More than 20 minutes.

Question 13

What's your transfer rate (percentage of leads actually connected live)?

Accepted Answer

98%.

Question 14

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

Accepted Answer

You can visit our website for various references.

Question 15

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

Accepted Answer

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

Question 16

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

Accepted Answer

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.

Question 17

Are there volume-based discount tiers?

Accepted Answer

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

Question 18

How do you handle disconnected numbers or wrong parties?

Accepted Answer

These are all live transfers, hence no disconnected numbers.

Question 19

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

Accepted Answer

Any lead not matching the filters is not qualified.

Question 20

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

Accepted Answer

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

Question 21

What disclosures do consumers receive before being transferred?

Accepted Answer

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

Question 22

How do you handle Do Not Call list compliance?

Accepted Answer

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.

Question 23

What's your average transfer time after lead expression of interest?

Accepted Answer

10 seconds.

Question 24

What's your service level agreement for lead transfers?

Accepted Answer

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

Question 25

How do you handle after-hours leads?

Accepted Answer

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.

Question 26

What reporting do you provide in real-time?

Accepted Answer

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

Question 27

Do you offer optimization recommendations based on our conversion data?

Accepted Answer

Yes.

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