Are you looking for a trigger solution that is real and actually under 24 hours?  Have you tried ‘aged triggers’ and found them to be so old that they don’t remember applying?  Black Book Data has some of the best trigger data on the market allowing you to specifically target:

	Daily Trigger Lead Example Please Click Below to Download the Example
Credit score Equity Loan Amount Loan Seasoning Revolving Debt Loan Type, and more…

Contact us for a run down on the required paperwork for trigger leads and why working with Black Book Data can help you keep your commitments low and trigger price point reasonable.  Our trigger pricing is based on daily volume and overall commitment - call us for more information on price and quantity options.

Trigger leads are controversial because the credit bureaus are essentially selling mortgage credit inquiries to competitors.  In reality, most consumers check with several sources before making any decisions so mortgage triggers are not invasive if they are sold properly.  Black Book Data requires full boarding for any mortgage trigger customers.  This entails a decent amount of paperwork but nothing that will take more than an hour of time. Contact us today for a pre-approval form to get started. 

Our minimum orders are unbeatable.  You will not find a better trigger lead experience both in quality of lead or service. 

If you have a price quote on any trigger product, Black Book Data will beat it by 10% or more depending on the price and quantity.

Loan Modification Leads

There are several ways to seek out and obtain loan modification leads. Everyone now needs help with their home loan but banks are not willing to work a deal out with anyone until they get behind and their credit is seriously impacted. For most companies that deal in loan modification, getting qualified and credible leads is a challenge. Many have no money to help with a modification and even worse, many are not even behind they are just worried about their principle being wiped away. To find a qualified client, companies have to discern both a genuine hardship exists and there is enough liquidity to pay for the service and the new loan.

Most banks are not ignorant to the current situation and modifying loans is a viable option to foreclosure and other methods of loss mitigation. When a borrower starts defaulting on a loan and goes 30 and then 60 days late, modification and mitigation firms play a huge role in preventing a notice of default (NOD) from being issued. The loan modification leads that work best seem to be those that catch homeowners right before the NOD is filed or right after it's filed and before it becomes public knowledge.

Having a foreclosure mark on your record will open you up to all kinds of predators and lenders. Keep in mind that it is public information, which means investors, equity skimmers, and other foreclosure prevention "specialists" will be knocking on your door. As a loan modification firm, having first strike advantage is key - especially if you can isolate the borrowers you can actually help versus those that may need or want help but simply can't qualify or pay for your services. Most loan modification leads fail in this department and that is why there is such a huge demand for quality leads. For instance, knowing the likelihood of someone wanting to stay in their existing home is huge. For example, we have clients that will target those with high equity because all of these borrowers do not want to lose their home and will do whatever it takes to modify the loan.

Having a customer on your side is critical. When dealing with a borrower that is unsure of whether they want a short sale, loan modification, or to simply work it out, think about what your goals are and who you want first. Pulling no equity will likely draw a short sale customer - is that what you want? Targeting homeowners 90, 120 or 150 days late may be too late for a modification. All of these issues are critical when developing the right set of loan modification leads.