Kyle Brunner's (mortgagelists) Blog

In this post, I’ll take on the topic of using telemarketing as a channel to reach out to homeowners 30, 60, or 90+ days late on their mortgage payment. Many marketers prefer to make contact with distressed homeowners over the phone, but in my view, that’s analogous to calling up a stranger and as...

Paying for "leads" is ineffective in our view, and not a judicious use of your time or money. That may be a stark statement coming from a leads provider, right? Why would a leads provider tell agents not to pay for leads? The answer is we do not provide leads. We provide data, and there is a huge...

If you have been in the mortgage industry for some time, you know that FHA streamline deals are sparse when the economy is good and the shelter from the storm during rough economic times, and this economic cycle is no exception. Easy credit and income qualification, laxed appraisal requirements a...

As interest rates have reached historic lows, many homeowners have had to watch from the sidelines. These frustrated homeowners have been told time and time again they can't refinance because plummeting home values pushed their mortgage underwater. Yet many of these homeowners are gainfully emplo...

One of the most vexing and costly challenge mortgage brokers and lenders have experiences over the past few quarters has been the deluge of unqualified applicants and leads. A Wall Streat Journal Article discusses this growing problem of clogged mortgage pipelines. Lower interest rates, coupled w...

Marketing to HARP 2.0 leads should generate a high response among responsible homeowners that were unable to have access to today's low interest rates because of LTV requirements. These homeowners have faithfully paid their mortgage payment and haven't had to look far to see other homeowners that...

The revamped guidelines of HARP 2.0 opens the floodgates to millions of underwater homeowners that could not lock in the prevailing low interest rates. The jury is still out as to whether this program has lived up to the hype, and there have been some flaws pointed out in some posts, but I'll res...