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 Live Transfers – Heritus Algorix

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Mortgage Live Transfers

Real-time contact opportunities exist with borrowers who need mortgage assistance.

Heritus Algorix provides exclusive Mortgage Live Transfer Leads which enable direct communication between motivated borrowers and your loan officers. Our proven system removes lead generation uncertainty so you can establish direct contact with potential clients.

Over the last 25+ Years we made an impact, we have long way to go.

Mortgage Live Transfers are inbound phone calls from verified borrowers who are actively seeking mortgage services such as purchase, refinance, or reverse mortgage.

These leads are:

Pre-qualified based on your criteria (credit, LTV, state, loan amount, etc.)

Verified by our call center agents

Transferred live to your sales team for immediate conversion

🎯 Why Choose Heritus Algorix for Mortgage Live Transfers?

💡 100% Exclusive Leads
Each lead is sent to only one client — you. No sharing. No duplication.

🧠 Pre-Qualified Borrowers

We match your criteria: credit score, state, mortgage type, income, loan amount, property type, etc.

🛡️ TCPA & DNC Compliant

All leads are generated and transferred in full compliance with TCPA, DNC, and industry regulations.

🔁 Lead Replacement Guarantee

If a lead doesn't meet your criteria or disconnects, we’ll replace it — fast, no hassle.

End-to-End Process for Quality Mortgage Leads.

Lead Qualification We pre-screen prospects based on credit, income, and home ownership status to ensure quality leads.

Application Submission Verified leads are transferred live as they express intent to apply for a mortgage or refinance option.

Soft Credit Check Before transfer, a soft credit check confirms basic eligibility without affecting the client’s credit score.

Interest Matching We match borrowers with lenders based on loan type, interest rate preference, and regional eligibility.

Financial Verification Our team verifies employment and income details to ensure genuine interest and loan potential.

Live Transfer Execution Once qualified, the lead is transferred to your sales team instantly via phone — no delay, no buffer.