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Mortgage Leads that Convert

Mortgage Lead Vault has numerous mortgage loan portals that receive high traffic and a significant amount of quality mortgage leads from consumers that want to refinance, purchase or request a loan modification from a lending professional.
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For most people, buying a home for the first time is memorable. With fixed interest rates dipping to 3.375% on 30-year mortgages, now is a great time to buy your first house. A few people in California are eligible for a home mortgage with no down-payment because of the Neighborhood Lift Program sponsored by FHA and Wells Fargo Home Mortgages.

For borrowers who qualify, receiving $15,000 to finance a home is a great deal. But how does it work, and who pays? Rosie Padilla was at the Sacramento Convention Center bright and early Friday, hoping to buy her first home. The mother of five and grandmother of two, says it’s about time. “It’ll be exciting to have my own place and have my kids grow up there, stay there,” said Padilla. Padilla can’t help but smile. Who wouldn’t after qualifying to receive $15,000 toward the down payment of a new home? “It’ll change my life not only mine but my kids too. This is actually our first time buying a house,” said Padilla. Padilla and hundreds of others applied for the Neighborhood LIFT program, a $7 million grant from Wells Fargo.  This is a great program with low rates on the first time homebuyers loan. Organizers say it’s a program that not only helps hopeful homeowners, but the community. “The values go up. They pay their taxes, and those taxes go to the city, and the tide lifts all boats,” a spokesperson said.

Qualifiers must make less than $91,300 for a family of four and $63,950 for an individual buyer. They also must qualify for a bank loan and take a home buyer education course. Wells Fargo also offered qualifiers a tour of homes on the market. For Padilla though, it will still be an uphill climb. People with even 20 percent down payments are struggling to compete with cash offers from investors flooding the market. Still for Padilla, the $15,000 puts her much closer than she’s ever been to achieving a dream. “It was a good experience. I’m happy we came here and have the chance to actually know what this is about,” she said. “I’m excited.”

More than 100 applicants qualified for the down-payment and more than half the grant is still available for those who show up and qualify at the convention center Saturday. Read Sacramento CBS Article on New Home Buyers.



Most banklers and loan officers will won’t be shy about telling you that working California mortgage leads is more challenging then it has been it past years.  Nationwide reported that San Diego mortgage rates were lower for VA and FHA loans.  The Lead Planet, a San Diego based mortgage lead generation company indicated last week that the volume for California mortgage leads was up 20% in July.  The mortgage lead generator also reported that California mortgage refinance leads were up nearly 13% from the previous month and that California purchase leads were up over 8% from the previous month totals.  Over the last ten years, California refinance leads have been the most popular lead requested by loan companies in all 50 states.  by Many brokers have been resistant to work with California purchase leads in the past, but mortgage refinance leads are so difficult to qualify for that lending companies are becoming much more open minded to work with new home buyers. 

The Mortgage Lead Vault offers a wide variety of loan leads in all 50 states.  Presently our inventory of California mortgage leads is the highest in the nation.  We also have a high volume of Virginia, Florida and Texas mortgage leads.  Loan companies can select from same-day, live mortgage leads.  We also offer aged mortgage leads and loan modification leads for companies looking for a fresh mortgage marketing strategy. 

 Choose the following California Mortgage Lead Filters  California Refinance Leads Purchase Leads in California

 California Jumbo Leads

 FHA Leads in California

 California VA Leads

 California Loan Mod Leads



Mortgage lenders and brokers have had a difficult time working California leads because so many homeowners are under-water.  Top loan originator Beau Hollingsworth who works for iServe Lending, a direct mortgage lender who is headquarters reside in San Diego California, said, “I have been originating home loans in California for over a decade now and I have never seen so many good borrowers under-water with their mortgage.”  Hollingsworth continued, “We have access to government programs like the Home Affordable Refinance Program, but so many homeowners do not meet all of Fannie Mae or Freddie Mac’s guidelines.”  The experienced mortgage executive said that she likes working with California mortgage leads, because she really feels for the West Coast borrowers and she well-versed on the state real estate laws, in addition to the licensing she has obtained. 

Rumor has it that HUD is rolling out the FHA short refinance program nationally and this may really help loan companies originating in California because so many loan applicants are coming up short on home value that is preventing them from qualifying for traditional home refinance programs.