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.

Business – Page 2 – Heritus Algorix

By admin

104

15 Oct

Today’s Mortgage Refinance Rates & What It Means for Homeowners (October 2025)

🏠 Why Rates Are Moving (and Why It Matters) What’s pushing rates down (for now) What still keeps rates elevated Why it’s important for homeowners Refinancing can make sense if: Even small rate drops can mean hundreds of dollars saved monthly on a typical mortgage. ✍️ Tips Before You Refinance

By admin

210

14 Oct

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

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…

By admin

327

09 Oct

🚀 AI Transforming Pre-Underwriting in Insurance – What’s New in 2025?

The insurance industry is undergoing a significant transformation with the integration of Artificial Intelligence (AI) into pre-underwriting processes. Here’s a snapshot of the latest advancements: 🔍 Enhanced Risk AssessmentAI models are now capable of analyzing vast datasets, including unstructured data like images and social sentiment, to identify potential risks more…

By admin

165

13 Aug

Mortgage Refinance Market 2025 – Where Are Rates Headed?

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: Why Are Rates Still Elevated? After peaking above…

By admin

175

05 Aug

Questions to Answer before Buying Your Second Home

If buying your dream home was the best and the biggest decision you made in your life, buying a second home can be an even better one. It will give you more financial stability by creating a steady source of income. Yes, you do have to go through the entire…

By admin

178

30 Jul

Things to Consider Before Refinancing Your Mortgage

Are you struggling to pay back your home loan? It may be time to refinance your mortgage. Mortgage refinancing is one way to clear your existing loan and get a new one at a lower rate of interest and better terms. It may help you end up with a longer…

By admin

183

28 Jul

6 Useful Tips to Cut Down the Costs of Home Remodeling

One of the biggest worries you may have, when it comes to remodeling your home is busting your budget. You never know what nasty surprises you are going to find while you are at it. Nevertheless, you don’t want to leave out even the tiniest of the things while finishing…

By admin

494

22 Jul

🏠 Home Security in 2025: Why Smart Protection Matters More Than Ever

In a world where everything from your TV to your thermostat is connected to the internet, your home security system shouldn’t be left behind. As we step into the second half of 2025, protecting your home is no longer just about locks and alarms — it’s about smart, proactive security…

Mortgage House Loan Website Login Graphic Concept

By admin

492

21 Jul

🏡 Mortgage Refinance Update – July 2025

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…

By admin

697

10 Mar

How AI data is impacting trade and Investments all over the world

Our business consulting programs helps to break the performance of your business down into customers and product groups so you know exactly which customers or product groups are working and which ones aren’t you can make the changes needed to get the best results out of your business. Over the…

Today’s Mortgage Refinance Rates & What It Means for Homeowners (October 2025)

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

🚀 AI Transforming Pre-Underwriting in Insurance – What’s New in 2025?

Mortgage Refinance Market 2025 – Where Are Rates Headed?

Questions to Answer before Buying Your Second Home

Things to Consider Before Refinancing Your Mortgage

6 Useful Tips to Cut Down the Costs of Home Remodeling

🏠 Home Security in 2025: Why Smart Protection Matters More Than Ever

🏡 Mortgage Refinance Update – July 2025

How AI data is impacting trade and Investments all over the world

Recent Posts

Health Insurance Leads: How Heritus Algorix Delivers High-Quality, High-Intent Prospects to Buyers

How Pre-Underwriting AI Is Transforming Mortgage Refinance at Heritus Algorix

Heritus Algorix: Helping Americans Settle Debt and Rebuild Their Financial Future

AI-Powered Mortgage Refinancing for Veterans: How Heritus Algorix Helps America’s Heroes Save More

Categories

🌐 Our Global Reach

Services Quick Links

Contact Us Anytime

Recent Posts

Categories

Tag Cloud

🌐 Our Global Reach

Services Quick Links

Contact Us Anytime