Adjustable Rate Mortgage Holders Database (ARM's) – This database is considered the most up to date and accurate in the industry. Through a number of proprietary source we identify people who currently have an Adjustable rate mortgage.     

Apartment Complex Condo Townhouse Database - Real Estate Investors or Owners of Units or Complexes of Apartments, Condominiums & or Townhouses. Also Available: Managers & Owners

Conforming Debt File Leads - The conforming debt file targets homeowners who have responded with interest in debt consolidation. With data enhancement we guarantee the following:

• High rate debt of at least $15,000 or 8% of home loan.
• Home equity value of better than 20% .

Conventional, FHA & VA Refinance Leads - With data enhancement we have determined the mortgage
types to be Conventional, FHA, or VA fixed rate mortgages. These prospects have the following:

• Adjustable rate mortgage that is at least one year old
• Equity positions in their home of at least 15%.

Home Real Estate Owners, Buyers and Sellers Databases – This database is compiled every five days. Accuracy guaranteed 96% accurate. This database is considered the most up to date and accurate in the industry. Also Available: Estimated Down Payment Balances & Foreclosure lists. We have identified this group as people who are currently:

• Having insufficient assets to afford or having sufficient assets to close.
• Possibly seeking to sell their home
• Independent home sellers not currently listed with any agency
• Have applied for a mortgage Pre-approval in the last 150 days

New Homeowner Database - With above average incomes and specific purchasing needs, new home owners are the most receptive segment to telephone and direct mail promotions. In fact, new homeowners will spend more on services within 6 months of moving then established residents will spend in 2 years. Information also available on larger orders: Mortgage Company Amount, LTV, Closing Date, Sale Price Seller Name

Non-Conforming Equity Leads - This group of homeowners have indicated interest in home equity debt consolidation within the next 12 months. These prospects have the following:

• Length of residence is of 3 years plus.
• High rate debt of $10,000 and greater

Open Trade-Line Debt Consolidation Database - This target group focuses on homeowners who
currently have an open mortgage as well as finance company trade-lines. These homeowners are great candidates for debt consolidation because of their strong inclination to increase their revolving debt load
on a monthly basis. They need to speak to your loan officers regarding debt consolidation.

• Averaging $15,000 in revolving debt or 8% of home value.
• Estimated Down Payment Balances available!

Private Real Estate Promissory Note  Holders - This database is made up of individual Real Estate investors who hold a note or notes on Residential or Commercial Properties. These investors receive payments directly from the individual who has purchased the property.

• Average Income = $105,000

• Average Net Worth = $375,000

• Gender = 90% male 10% female
• Sources are 70% compiled 30% response driven

Renters Database - This database is considered the most up to date and accurate in the industry.
Through a number of proprietary source we identify people who are currently:

• Seeking to purchase a home.

• Renting a home or apartment.

• Have applied for a mortgage Pre-approval in the last 150 days

Reverse Mortgage Database - This database can be sorted by:

• LTV
• Mortgage interest rate
• Home values
• Mortgage amounts Monthly Payment amounts

Sub-Prime Refinance Leads -This group of homeowners are indicated with interest in home equity debt consolidation in the next 12 months. With data enhancement we have determined the following:

• Home equity of better than 20% .
• Minimum high rate debt balance of $15,000 or 8% of home value.

* 720-850 - Excellent - This represents the best score range and best financing terms. .

* 700-719 - Very Good - Qualifies a person for favorable financing..

* 675-699 - Average - A score in this range will usually qualify for most loans..

* 620-674 - Sub-prime - May still qualify, but will pay higher interest. .

* 560-619 - Risky - Will have trouble obtaining a loan..

* 500-559 - Very Risky - Need to work on improving your rating.