Harp-Programs-Explained

Harp Programs Explained

★★★ How To Find HARP Refinance Leads

harp-mortgage-refi-leadsHARP does not need to be complicated. Leveraging our unique relationship with all three credit bureaus, our HARP Refinance Leads can identify the most qualified homeowners that have the opportunity to lock in low interest rates and reduce their monthly payments. One of the chief advantages of the revamped HARP 2.0 program is the more liberal eligibility guidelines that allow underwater homeowners that are otherwise current on their mortgage to refinance.

According to the latest statistics from CDLDATA.com, the number of underwater homes spiked in the fourth quarter of 2011 to 11.1 million. Homeowners in a near-negative equity position – borrowers with less than 5 percent of equity – hovered at 2.5 million. A staggering 27.8 percent of all residential properties were underwater or in near-negative equity. Our HARP Mortgage Leads put your message of more affordable mortgage payments in front of these homeowners that now have the capability under HARP 2.0 to make their homes more affordable.

Drawing from our tri-bureau, prescreened consumer credit platform, we can use a “soft” credit inquiry to identify current borrowers that have Freddie and Fannie loans originated before June 1, 2009, all requirements of the revamped HARP 2.0 program. We can refine the search by credit score and other attributes to isolate the most promising HARP Refinance Leads to grow your business.

HARP Refinance Leads for Lenders, Loan Officers and Loan Service:

Imagine calling up your existing client base that have already agreed to do business and telling them that they qualify for a new government program which will lock in historically low interest rates and reduce their monthly mortgage payment. Chances are, they will want to hear more. Since you already do business with the borrower, you have instant rapport. This is quite a unique opportunity.

HARP Refinance Leads for Brokers:

If you are broker, you don’t have the same “in” as working directly for a lender, you can greatly increase your efficiency and return on marketing dollars, by targeting homeowners that are most qualified to refinance. Our philosophy is that an application that goes funded is a total waste of resources. It’s possible to spend a lot of money to reach out to homeowners that respond to your offer, but have their application go down in flames once it reaches underwriting. By using “soft” credit data, you can make sure that you are marketing to borrowers that meet the exact requirements for HARP 2.0.

We’d be go to the drawing board and tell you how many homeowners meet your criteria, and bounce some ideas around. Call a HARP Refinance Leads expert at 866-377-4599 or visit www.ConsumerDataLeads.com

At ConsumerDataLeads.com, we provide early, accurate and exclusive pre foreclosure data on distressed homeowners before their hardship reaches any public file.

Disclaimer: Per Consumer Data Leads ‘Terms of Service’ following conditions apply to Your use of any of the Consumer Data Leads – Model Late Data :
1. You shall use Consumer Data Leads – Model Late Data solely for Your internal use and direct marketing purposes only.
2. You shall not use Consumer Data Leads – Model Late Data directly and/or indirectly or reference any type of Model Late directly to the Consumer without written prior consent of said Consumer in any (i) direct mail; (ii) conducting telephone solicitation; or (iii) conducting telephone or direct mail surveys.
3. You acknowledge that any contact either written and/or spoken with a Consumers as a direct result of Consumer Data Leads – Model Late Data is purely informational regarding your products and services.

★★★ Fannie & Freddie Leads to Target Refinance Candidates

fannie-freddie-harp-leadsIt makes perfect sense to target Fannie & Freddie leads that are most qualified to benefit from the new Obama guidelines of HARP. The next origination boom will be spawned from the revamped HARP 2.0 program, which will open the flood gates to millions of mortgagors that are in a negative equity position but otherwise have been dutifully paying their house payments. Our HARP 2.0 Mortgage Leads can pinpoint those underwater homeowners that are motivated to refinance their unaffordable loans but have been restricted from doing so under the original program. No longer in the cold, these upside down borrowers can take advantage of the historic low rates afforded under the new guidelines.

With a unique relationship with all three leading credit reporting agencies, we can identify responsible homeowners that have had loans sold to Fannie and Freddie prior to June 1, 2009. Since borrowers must be current on mortgage payments in the past 12 months, our “soft” credit data will identify only those homeowners that have not had any mortgage delinquencies. You can refine the search by loan balance, number of mortgage trades and a minimum FICO scores to get in front of your most qualified prospects for refinance.

To identify the most qualified Fannie & Freddie Leads, get in touch with Consumer Data Leads at 1-866-377-4599.

At ConsumerDataLeads.com, we provide early, accurate and exclusive pre foreclosure data on distressed homeowners before their hardship reaches any public file.

Disclaimer: Per Consumer Data Leads ‘Terms of Service’ following conditions apply to Your use of any of the Consumer Data Leads – Model Late Data :
1. You shall use Consumer Data Leads – Model Late Data solely for Your internal use and direct marketing purposes only.
2. You shall not use Consumer Data Leads – Model Late Data directly and/or indirectly or reference any type of Model Late directly to the Consumer without written prior consent of said Consumer in any (i) direct mail; (ii) conducting telephone solicitation; or (iii) conducting telephone or direct mail surveys.
3. You acknowledge that any contact either written and/or spoken with a Consumers as a direct result of Consumer Data Leads – Model Late Data is purely informational regarding your products and services.

★★★ HARP 2.0 Leads that Help Brokers & Lenders Identify the Most Promising Refinance Prospects

As providers of prescreen consumer credit data, we have been fielding a lot of requests for HARP 2.0 Leads that capitalize on the expanded eligibility requirements that went into effect on March 17. The HARP 2.0 initiative was introduced to open the floodgates to underwater homeowners eager to refinance but previously unable to do so because of the LTV requirements of yesteryear’s program.

Our HARP Refi Leads save mortgage professionals a lot of marketing expense by identifying the most qualified prospects that are eligible for refinance under the new guidelines. According to Moody’s Analytics, 1.6 million homeowners will be refinanced under HARP 2.0 by the end of 20013, saving an average of $250 per month on payments. You can capture a larger share of these homeowners by using precise credit and mortgage attributes available through our tri-bureau platform.

When building a list of HARP 2.0 leads, it’s important to apply specific data filters and eligibility requirements. Mass marketing will only lead to wasted marketing cost, reduced productivity at the point of sale as well as the back office, and frustrate fatigued homeowners that have been told time and time again by lenders that they don’t qualify for government programs. Our HARP 2.0 leads allow brokers and lenders to lazer in on those homeowners that are prescreened for eligibility.

When identifying HARP 2.0 leads, we will drill down on the following criteria:
Loans with Fannie and Freddie as investors
– Origination dates before June 1, 2009
– Minimum FICO score of 640 or higher
– Loans within conforming limits (no jumbos)
– No delinquent mortgage payments in the past 12 months
– Single lien data (no junior liens)

This list of filters are not exhaustive. You can also filter data by lender and other attributes to putyour message in front of your most qualified refinance prospects. For fast counts and expert consultation, contact a HARP 2.0 Leads Specialist at 866-377-4599.

At ConsumerDataLeads.com, we provide early, accurate and exclusive pre foreclosure data on distressed homeowners before their hardship reaches any public file.

Disclaimer: Per Consumer Data Leads ‘Terms of Service’ following conditions apply to Your use of any of the Consumer Data Leads – Model Late Data :
1. You shall use Consumer Data Leads – Model Late Data solely for Your internal use and direct marketing purposes only.
2. You shall not use Consumer Data Leads – Model Late Data directly and/or indirectly or reference any type of Model Late directly to the Consumer without written prior consent of said Consumer in any (i) direct mail; (ii) conducting telephone solicitation; or (iii) conducting telephone or direct mail surveys.
3. You acknowledge that any contact either written and/or spoken with a Consumers as a direct result of Consumer Data Leads – Model Late Data is purely informational regarding your products and services.

★★★ How to find HARP Leads through Soft Credit Inquiries

harp-mortgage-refinance-leadsWith lenders beginning to act on the new guidelines of the expanded HARP initiative, the timing is right to find HARP Leads that target qualified borrowers that have just been thrown a life preserver. Homeowners eager to refinance under the original HARP program were unable, until the floodgates were opened with HARP 2.0. Our HARP Refi Leads gets your message of more affordable loans in front of those motivated mortgagors that are motivated to reduce their payments. Direct marketing should elicit a high response rate from these borrowers.

Some loan officers and production teams might cringe at the prospect of brisk response rates because with the HARP Program of yesteryear, high fallout and non-qualification was rampant. The reason was loan to value (LTV) or credit considerations that stopped the application dead in its tracks. Enter HARP 2.0, which has axed these hurdles, and getting applications funded is a relative breeze.

Finding HARP Mortgage Leads that will survive the underwriting process has never been more seamless. Our data is mined through a “soft” credit inquiry through the three leading credit reporting agencies, ensuring that your marketing resources are directed at your most qualified prospects. It is this focus on pre-qualification that gives you a higher return on investment than other forms of marketing that draws in consumers that have a 0% chance of getting funded.

When building HARP Leads, we’ll search for:

– Homeowners with an impeccable mortgage payment history – Fannie Mae and Freddie Mac investors in the loan – Origination dates on or before June 1, 2009 – A FICO score north of 640, or matching your lender’s guidelines.

For a free count of HARP Leads in your area, get in touch.

For fast counts and experience-driven advise, call a HARP Leads Specialist at 1-866-377-4599, or fill out a quick form with your criteria here.

HARP 2.0 Leads for Refinance Candidates

harp-refi-leadsHARP 2.0 Leads that Identify Your Best Refinance Candidates
Refinance activity for Fannie Mae and Freddie Mac spiked in the 4th quarter, indicative of surging interest in the Home Affordable Refinance Program (HARP). With the demand ticking up, it’s important for brokers and lenders to find the most qualified HARP 2.0 Leads to capture your share of current homeowners with Fannie & Freddie loans that are motivated to refinance. When the original program was unveiled, many lenders and brokers experienced frustration working HARP Refi Leads because of the tsunami of underwater homeowners that couldn’t make it past underwriting because of the LTV requirements. The new guidelines open the floodgates to 5 million drowning homeowners.

Filters To Use When Building A List of HARP 2.0 Leads

First, we’ll ensure that Fannie and Freddie back the loan, make sure that the homeowner has remained a current payment history on their mortgage for the past 12 months and have taken the loan out prior to June 1 of 2009. We can refine the search by FICO score, loan balance range, current interest rate and other filters available through our tri-bureau pre-screened consumer credit platform. To customize a list, call us at 1-866-377-4599.

HARP Refi Leads | Freddie and Fannie Leads

HARP Refi Leads Under The New Guidelines
Lately, we’ve been fielding a lot of inquiries for HARP Refi leads as lenders have began implementing the new HARP 2.0 guidelines announced in March of 2009. The expanded initiative gives comfort to the 5 million underwater homeowners that were unable to refinance under the original program. When working HARP Refi leads in the past, brokers ran into many roadblocks as they found a staggering amount of applicants unable to survive the underwriting process because of LTV requirements. With these roadblocks removed, getting deals funded is much more promising. Our HARP leads take into account the exact eligibility requirements of the revamped HARP 2.0 program so that you can find the most qualified prospects to lower their monthly mortgage payment.

Filters for HARP Refi Leads

When searching for HARP Refi Leads, we’ll search our tri-bureau, prescreened consumer credit platform for borrowers that meet all criteria, zeroing in on:

– Fannie and Freddie loans
– Origination dates prior to June 1, 2009
– Payment history: Current on mortgage obligation for the past 12 months
– FICO scores 640+, or within your lender’s prescribed guidelines
– Conforming loan balances (no jumbos)

This list is not exhaustive, and there are myriad other criteria we can use to put you in front of your best prospects. Call a HARP Refi Lead Specialist at 1-866-377-4599 to tailor a database that makes sense.

HARP Leads Using Surgical Precision

harp-leads-fishtankAccurate HARP Leads to put you in front of the most qualified applicants The timing is perfect to reach out to HARP Leads and get them to lock in historically low rates under the new Obama guidelines. In a sea of underwater homes, there are millions of homeowners in a negative equity position that can now refi. The biggest frustrations we’ve heard from brokers and lenders when working HARP Leads in the past was the low survival rate when it came to underwriting.

A lot of marketing dollars can be thrown at applicants that simply have no chance of getting funded. By pulling data from the leading credit reporting agencies, you can ensure that your message reaches homeowners that not only are motivated to get out of unaffordable loans, but homeowners that will get funded. Our philosophy is that an application that is not funded is a total waste of time and money.

When searching for HARP Leads, you can build a precise list of mortgagors:
– With loans backed by Fannie and Freddie, within conforming limits – No delinquent payments in the preceding 12 months – FICO scores north of 640 – Origination dates prior to June 1, 2009 There are myriad other filters we can apply, to get you in front of motivated borrowers. For expert consultation, call a HARP Leads Specialist at 866-377-4599.

HARP Leads for Brokers and Lenders

HARP Leads That Zero In On The Most Eligible Candidates
HARP Leads are surging appeal with revamped guidelines that open the floodgates to millions of underwater homeowners that could not qualify for the program under the restrictive LTV requirements of yesteryear. Refinance activity spiked 10 percent for Fannie and Freddie during the fourth quarter.

fannie-freddie-harp-leads

Criteria for Selecting HARP Leads

Tapping into our tri-bureau consumer credit platform, we can identify borrowers that are pre-screened to meet the eligibility requirements for HARP.

First, we’ll select Fannie and Freddie Loans, within conforming limits.

Next, we’ll ensure that the homeowner has been current on their mortgage payment for the past 12 months.

The seasoning of the loan has to be before June of 2009, so we’ll eliminate any mortgages originated after that date. What is the minimum credit score you want to target? Our HARP Leads reveal the exact FICO score of those borrowers and we will match them to your lender’s guidelines.

Most subscribers to our HARP Leads set a minimum score of 640 and up. If you can work with borrowers with lower scores, you have a unique advantage, but we can raise the bar.

There are myriad attributes we can zero in on, in order to put you in front of you most qualified prospects to refinance under the HARP 2.0. guidelines. For expert consultation, custom quotes and fast counts, call us at 866-377-4599 or request a free area analysis of HARP Refinance Leads here.

At ConsumerDataLeads.com, we provide early, accurate and exclusive pre foreclosure data on distressed homeowners before their hardship reaches any public file.

Disclaimer: Per Consumer Data Leads ‘Terms of Service’ following conditions apply to Your use of any of the Consumer Data Leads – Model Late Data :
1. You shall use Consumer Data Leads – Model Late Data solely for Your internal use and direct marketing purposes only.
2. You shall not use Consumer Data Leads – Model Late Data directly and/or indirectly or reference any type of Model Late directly to the Consumer without written prior consent of said Consumer in any (i) direct mail; (ii) conducting telephone solicitation; or (iii) conducting telephone or direct mail surveys.
3. You acknowledge that any contact either written and/or spoken with a Consumers as a direct result of Consumer Data Leads – Model Late Data is purely informational regarding your products and services.

We have collected the above information from various sources for your convenience.

 

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