Exclusive Mortgage Leads FAQs– Mortgage loan leads, Refinance Mortgages Loans leads

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TESTIMONIAL #1
	I heard about Target Publishers through an email. So I tried them out and bought 50 leads and was able to close five loans. Now I use them for all my business. Thanks and keep up the good work!


	Mary Santos Houston, TX

TESTIMONIAL #2
	Your company is very proficient and has made my goal of 12% closing a reality. I found my needle in the haystack! It's Always been a pleasure doing business with you.


	Paul Dabrowski Seattle, WA


TESTIMONIAL #3
	I have been a client with Target Publishes for over four years now and honestly the proof is in the leads.
Thanks to your quality data I was able to hire additional staff and train them with your leads. I've tried other companies before I found you guys and only wish we met sooner.


	Matt Barnes Atlanta, GA

Frequently Asked Questions!

Below we have provided answers to several questions you may have about starting a lead campaign. If you can't find your question below please contact us for further details.

How do you generate your leads?

	What types of leads do you collect?
	How do you qualify your leads?
	Are your lead programs right for me?


	How fresh are your leads?

	What are the FREE lead filters?
	Do you resell any of your leads?
	How are your leads different from other lead providers?


	Can I specify leads based on states or area codes?

	How are leads delivered?
	How many leads can you provide me?
	How do you handle returns?


	Are your leads compliant with the Do-Not-Call Registry?

	How many leads can I buy at once?
	What are the prices for your leads?
	How do you accept payments?
	How do I get started?

Answers

How do you generate your leads?

The process we use for generating mortgage leads allows us to qualify interested borrowers (leads) according to specific criteria you arrange. By utilizing a very skilled and tested approach, the majority of our lead generation consists of response based marketing channels where the consumer has initiated a request to be contacted. We obtain these initial requests through online marketing (Internet) as our mainstream approach and also complement this with radio, TV and print media advertising to reach more difficult market segments. These measures ensure the quality of our leads and protect our clients from any issues related to the Do Not Call Registry.

Our process begins by collecting over twenty (20) fields of information from interested borrowers. That lead information is then filtered and matched against our client's profiles that we have in our network. Utilizing a unique filtration system that not only determines the optimal match between a lead profile and client's profile, we also take into account the potential monetary value of a lead and assure that all of our lenders receive a fair share of premium leads (i.e. high loan amount or rate, ideal sub-prime credit, low LTV, etc).

Once a match is confirmed, the exclusive lead information is either passed on to our telemarketing agents who contact the interested borrower and screen them through our Verified or Live-Transfer program or the borrower's lead information is delivered to our client who has purchased our Internet Lead services.

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Q:	What types of leads do you collect?

A:	We specialize in leads for:

	Refinance
	Refinance with Cash-out
	Debt Consolidation
	Home Equity Line of Credit

With the following lead types available:

Live-Transfers	Leads transferred directly into your office from our call center.
Verified	Our call center qualifies leads and arrange an exclusive appointment with the borrower on your behalf.
Triggers	Qualified borrowers who just had their credit pulled and searching for a loan.
Internet Leads	Leads generated from our sites and distributed to you exclusively or up to two (2) other lenders with our semi-exclusive program.
T.V. Leads	Homeowners respond to mortgage commercials and complete a brief application with a telemarketer. Leads are delivered up to 3 lenders.
Aged Leads	7 - 75 Day Aged Mortgage Leads available.
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Q:	How do you qualify your leads?

A:	A lead is qualified through our system if they want to be contacted by a lender and if they meet specific criteria you provide us when placing your order. The filters we screen include the following:


	Free Filters Include:
	Property Types
	Loan Types
	Maximum LTV Rate

	Credit Rating
	State of Property
	Requested Loan Amount
	Current Interest Rate

	No Refinances within last 12 months

With our telemarketing programs, once a lead matches your filters and is interested in speaking to a lender, we then confirm and collect the following information.

1.	Name	12.	2nd Mortgage Balance
2.	Daytime Phone Number	13.	Cash-out
3.	Other Phone Number	14.	Total Unsecured Debt
4.	Property Address	15.	Total Loan Amount Desired
5.	Email Address	16.	Property Value
6.	Loan Type Desired	17.	Property Type
7.	Current Rate	18.	LTV
8.	Rate Type (Fixed/Variable)	19.	Credit Rating
9.	Loan Term	20.	Detailed Notes from call
10.	Monthly Payments	21.	Scheduled Call Back Time
11.	Current Mortgage Balance
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Q:	Are your lead programs right for me?

The consistent success lenders experience with Target Publishers give rise to the quality data we provide them. Our marketing programs are available to mortgage professionals throughout the U.S. and Canada, so if you would like to expand your client base and are looking to increase your loan origination, contact us today to get started!


We have valued expertise creating custom programs for any size business including:

	Retail & Wholesale Lenders
	Small, Medium & Large Size Brokers
	Retail & Net Branches
	Individual Loan Officers
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Q: How fresh are your leads?

A: We know how time sensitive data is and understand that your success can solely rely on how quickly you can reach your clients. Below we have provided details on how quickly you receive leads with our programs.

Live-Transfers

Calls transferred into your office in real-time from our call-center.

Verified

Our daily lead transfers generated for your company in a given day are assembled and sent to you the following morning before 11:30 am your time.

Triggers

You receive borrowers who just had their credit pulled w /in past 24 - 48 hours.

Internet Leads

Web applications generated daily and delivered within 24 - 36 hours upon submission.

T.V. Leads

Customers respond to T.V. commercials and speak with a telemarketer to apply for a free mortgage quote.

Aged Leads

7 - 75 Day Aged Mortgage Leads.

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Q:	What are the FREE lead filters?


A:	For every lead order we allow you to customize it for your success and select the following free filters:

	FREE filters include:*
1.	Property Types	SFR, Condos and/or Multi-Units
2.	Loan Types	Refinance, cash-out, debt, new purchase, HELOC and/or 2nd Mortgage.
3.	Maximum LTV rate	80% through 100%
4.	Credit Grades	Excellent, Good, Fair and/or Poor
5.	States	Leads available in all 50 states with 5% discounts off all orders in 3 or more states.
6.	Days to Receive Leads	We operate 6 days a week, Monday - Saturday.
7.	Leads per Day	You control the lead flow your office needs.
8.	Delivery Method	Email, Fax or Database upload (for Live-Transfer leads only).
*	With every filter listed above you can select as many options within that group as you choose.

	Extra filters include:**
1.	Min. Fixed rate	$1 more per lead for every .10% above our current minimum.
2.	Min. Adjustable rate	$1 more per lead for every .10% above our current minimum.
3.	Min. Loan Amount	$3 more per lead for every $25k above our minimum of $75k.
4.	Min. Property Value	$3 more per lead for every $25k above our minimum of $75k.
5.	Area Codes	$3 more per lead with a minimum of 3 entries.
6.	Spanish Leads	$3 more per lead for any of our lead programs.
**	All orders include leads that are above or equal to our minimum rates and amounts listed above. No extra filter is required unless you need to raise your minimum above our standards.
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Q:	Do you resell any of your leads?

A:	Below we have outlined the exclusivity for our different programs:


Live-Transfers	Calls are transferred and sold exclusively to you.
Verified	Our agents arrange appointments with the borrower exclusively on your behalf.
Triggers	Available exclusively to you to your agency.
Internet Leads	Available in either exclusive or semi-exclusive with up to two (2) other lenders.
T.V. Leads	Available as semi-exclusive to you and up to two (2) other lenders.
Aged Leads	Available as semi-exclusive to you and up to four (4) other lenders.
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Q:	How is Target Publishers different from other lead providers?

A:	We generate our leads using a mix of old fashion marketing know how that has a proven track record of success. We combine that with leading edge technology to allow us to deliver leads in a timely manner that are unsurpassed in quality. Our qualification process, combined with our quality assurance process is consistent and robust. The ability to provide you fresh mortgage leads, qualified against your criteria, with the opportunity to be the only mortgage professional offering a solution is why our clients are experiencing so much success!
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Q:	Can I specify leads based on states or area codes?

A:	Yes, we market and collect lead data nationwide. Once you sign-up you can choose the states you want to work in. There are no additional charges for premium states such as CA & FL. Our discounted pricing applies to every state, all the time. Take advantage of our current special of 5% OFF all orders in 3 or more states! You can also concentrate on particular area codes within a state. Area codes are simply $3 more per lead with a minimum of 3 entries and are available with any of our programs.
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Q:	How are leads delivered?

A:	With each of our lead programs we offer different delivery methods available:*

Live-Transfers

Leads uploaded into our secure database for your access. This allows you to retrieve and print leads, check the current lead activity of your account, send requests to our lead dept. and much more. Available 24 hrs. a day.

Verified

Delivered fresh every day via email or fax directly to your office.

Triggers

Delivered fresh every day via email or fax directly to your office.

Internet Leads

Delivered fresh every day via email or fax directly to your office.

T.V. Leads

Delivered fresh every day via email or fax directly to your office.

Aged Leads

Delivered in a .CSV file via email. Can receive in a single file or weekly disbursements.

*	We offer customized solutions for large orders that require special integration for your office. Please contact us for further details.

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Q:	How many leads can you provide me?

A:	Our telemarketing and internet lead programs provide a consistent lead flow to lenders in our network. Like the leads we gather, our clients needs are different and we treat every order with the proper attention it requires. Whether you're looking to receive just a couple leads per day or a couple hundred we can upscale your marketing program to deliver a consistent amount of leads you demand for your business.

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Q: How do you handle returns?

A: Provide quality data of interested consumers who are ready to speak with you and we have put in place a rigorous quality assurance process that ensures our leads our motivated candidates interested in speaking to a professional lender.
Our process significantly reduces inaccurate information, however there may be an instance where a lead needs to be returned. Below we have outlined reasons when a lead may be returned and replaced FREE of charge:

1. Invalid contact name.

2. All phone numbers are invalid.

3. Applicant was a minor or someone not legally capable of making a contract/loan.

4. Failure to meet any written requirements given to us at the time of the order.

In the case where a lead is being returned simply document why the lead is not relevant and return the information to us within 5 days of receiving the lead. Once we receive your return, we will follow up with the lead and investigate the dispute and issue proper credits to your order.

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Q: Are your leads compliant with the Do-Not-Call registry?

A: Yes, all of our telemarketing programs are compliant with the Do-Not-Call registry and we are fully compliant with FTC regulations including the Can Spam act. Also when placing calls to consumers we're calling on our behalf and every consumer we call has the choice to opt-out of any future contact. Additional assurance is also met through recorded conversations with the consumer giving their permission to be contacted by a professional lender.

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Q: How many leads can I purchase?

A: With most of our available lead programs you can start an order for as little as 50 leads. However, we have the capacities to accommodate lenders of all sizes; please contact us regarding any special requests you may have.

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Q:	What are the prices for your leads?

A:	Please click here to go to our lead order form where you can view all of our lead specials and discount prices.
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Q:	How do you accept payment?

A:	We accept several forms of payment including check-by-fax, regular check, Online Payment Center©, direct deposit and wire transfers.

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Q: How do I get started?

A: You can place a lead order by simply completing our online order form then select the type of leads you would like to receive. Your order will then be confirmed immediately by our staff and a copy of the lead order and payment forms will be emailed to you. Once we receive the signed order form and payment we will begin working on your campaign right away and you will start receiving leads within the next 2 - 5 business days.
*Please note payments must be made in full prior to lead campaign initiation.

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THIS SOUNDS GREAT! HOW CAN I GET STARTED?

To begin receiving fresh leads in your states simply click on the order now button below or call (866) 339-1950 to speak with a friendly marketing consultant today!