Mortgage Live Transfers

Overview

What Mortgage Live Transfers is

Mortgage Live Transfers are consumers qualified by our team and warm-transferred to your agents, generated by Altarious Global performance campaigns and delivered to your business in real time. Deliver real-time purchase, refinance and home equity leads and calls to lenders, brokers and loan officers.

Live Transfers give mortgage lenders and brokers pre-qualified borrower conversations. Our team confirms the property state, loan purpose, estimated value and loan amount, credit range, employment and consent before warm-transferring to a licensed loan officer. This pre-screen removes borrowers outside the lender's footprint, below credit minimums or seeking products the lender does not offer, and it routes purchase, refinance and home equity inquiries to the appropriate team. Transfers complement web leads by improving contact rates, which decline sharply with every minute after a form is submitted, and by delivering borrowers at the moment they are ready to engage.

This product is suited to web leads businesses with a team ready to answer during defined hours, a clear view of the consumer they want, and the capacity to convert a live conversation. The acquisition objective is simple: put your team in front of mortgage consumers at the moment they are deciding.

Target consumer

Homebuyers and homeowners aged 25 to 70 with income and credit profiles suited to conventional, FHA, VA, jumbo or home equity products. The most valuable segments are pre-approval seekers who are actively house hunting, homeowners with substantial equity seeking cash-out or HELOC financing, and borrowers whose current rate is high enough to benefit from a refinance when the market moves.

Consumer intent

Typical intent signals include: searching for mortgage rates, mortgage pre-approval or best mortgage lenders; actively house hunting or under contract on a home purchase; existing rate is above current market rates and considering a refinance; researching heloc or home equity loan to fund renovations or consolidate debt.

How live transfers are generated

Consumers are acquired through performance campaigns targeting searches such as "mortgage rates today" and "mortgage pre approval", plus social and comparison placements. Interested consumers speak with our qualification team before any transfer is attempted.

Qualification approach

Qualification is configured to your appetite. Standard mortgage criteria include: age 18 or older and seeking financing for a property in a state where the lender is licensed; loan purpose identified as purchase, refinance, cash-out, heloc or reverse mortgage; estimated property value and requested loan amount within the lender's range; self-reported credit score range and employment status; for purchase, stage in the buying process and timeline established; consent to be contacted captured and documented.

Delivery process

Once qualified, the consumer is bridged directly to your designated number or queue with a warm introduction. Delivery runs only during your operating hours with daily caps, and you can pause or adjust criteria at any time.