Refinance live transfers
Refinance campaigns explained
Who it's for
Built for VA, FHA and Conventional Refinance Lenders
Each loan type brings a different borrower conversation, so refinance campaigns are configured around the programs your team actually closes. Running a dedicated VA program? See our VA cash-out live transfers. For purchase, HELOC and other transfer types, see our mortgage live transfer leads.
VA Refinance Lenders
Teams with VA refinance programs that want homeowners who have asked about refinancing their VA loan. VA eligibility and approval are determined by your loan officers.
FHA Refinance Lenders
Lenders refinancing homeowners with existing FHA loans, with criteria such as current loan type, mortgage balance and credit requirements agreed during setup.
Conventional Refinance Lenders
Teams focused on conventional cash-out or rate-and-term refinances, with criteria such as estimated property value, estimated equity and geography set for each campaign.
Brokers and Multi-Product Teams
Brokers and lenders that also run purchase or HELOC campaigns and want a separate, refinance-specific transfer program with its own criteria.
How it works
Step 01
Homeowner Asks About Refinancing
Most borrowers come from online advertising campaigns we run. The homeowner asks about refinancing and answers questions about their goals, such as taking cash out or changing their rate or term.
Step 02
Phone Number Verification
Most of our lead data goes through SMS phone verification, adding an additional check to the borrower contact information before our call centers reach out.
Step 03
Live Connection Coordinated With Your Team
Our call centers confirm borrower interest and coordinate the live connection with your team, so the conversation can continue with your loan officer.
Step 04
Qualified Against Your Campaign Criteria
Our call centers check the borrower's answers against the criteria agreed for your campaign. Qualified borrowers are connected through a live transfer to your designated team during the delivery schedule set at setup.
Step 05
Exclusive Live Transfer to Your Team
The qualified refinance borrower is connected live to your loan officer. Each transfer is sold exclusively to one mortgage company and is not shared with competing lenders.
Step 06
Billing Review and Transfer Reporting
Each transfer is checked against the 90-second buffer and your campaign criteria. Campaign reporting and available lead details provide visibility into transfer delivery and qualification. Specific data fields and reporting formats depend on campaign setup.
Qualification & targeting
Campaign-Specific Refinance Qualification
Refinance criteria are agreed with you during campaign setup, before launch. Our call centers confirm the borrower's interest and ask the questions configured for your campaign. Answers are borrower-provided, and not every field is collected or verified on every transfer.
Example Criteria Lenders Discuss
Examples that can be considered during campaign setup: • Mortgage balance • Estimated property value • Estimated equity or loan-to-value • Credit score requirements • Existing loan type • Refinance intent • Cash-out interest. Not every campaign uses every field.
Geographic Targeting & Delivery
• State-level targeting is a campaign option; not every refinance program is available in every state or campaign • Qualified borrowers are connected through a live transfer to your designated team of licensed loan officers • Delivery schedules are coordinated during setup • Borrower-provided details are estimates your loan officers confirm during the application
Exclusive delivery
Exclusive Refinance Transfers, Sold to One Mortgage Company
Every refinance live transfer is sold exclusively to one mortgage company. The borrower is not shared with competing lenders, so your loan officer is the only lender joining that conversation.
One Buyer per Transfer
Each refinance lead is sold to a single mortgage company. It is not resold or distributed to other buyers.
Delivered Live to Your Team
Qualified borrowers are connected to your loan officers in real time, during the delivery schedule coordinated for your campaign.
90-Second Buffer
A 90-Second Buffer on Every Refinance Transfer
Every refinance live transfer includes a 90-second buffer, which determines whether the call meets the duration requirement for billing. Meeting the 90 seconds alone isn't enough: the borrower must also match the criteria agreed for your campaign before a transfer counts as billable.
Connected for at Least 90 Seconds
Duration requirement: the live call between the borrower and your loan officer must stay connected for at least 90 seconds.
Matches Your Agreed Criteria
Qualification requirement: the borrower must also match the refinance criteria agreed for your campaign. Both conditions are required for a billable transfer.
Credits & replacements
Credits and Replacements on Refinance Transfers
Every refinance transfer is reviewed against the 90-second requirement and the criteria agreed for your campaign. Transfers that fall short are not billable and are handled through the credit or replacement terms in your campaign agreement. You pay per billable live transfer. Per-transfer pricing is established during campaign setup based on product type, qualification criteria, geography and volume.
How Transfers Are Evaluated
• Checked against the 90-second connection requirement • Matched against your refinance criteria, such as existing loan type, refinance intent or cash-out interest • Reviewed using campaign reporting and available lead details, which depend on campaign setup
Credits and Replacements
• Transfers that miss the agreed refinance criteria or the 90-second requirement are not billable • Credits and replacements follow your campaign terms • Those terms are reviewed with you during setup
Why Highlimit Leads
Why Refinance Lenders Work With Highlimit Leads
Refinance transfers should come with clear answers: who else gets the borrower, how they were screened, and when a call becomes billable. Here's how our refinance campaigns answer those questions. Learn more about Highlimit Leads.
Exclusive to One Mortgage Company
Each refinance transfer is sold exclusively to one mortgage company. We do not sell the same borrower inquiry to multiple lenders.
Refinance-Focused Advertising
Most borrowers come from online advertising campaigns we run for homeowners interested in cash-out or rate-and-term refinancing.
SMS Verification on Most Leads
Most of our lead data goes through SMS phone verification, adding an additional check to the borrower contact information.
Call-Center Qualification
Our call centers confirm refinance interest and check the criteria agreed for your campaign before every transfer.
Per-Billable-Transfer Pricing
You pay for billable live transfers. Per-transfer pricing is established during campaign setup based on product type, qualification criteria, geography and volume.
Dashboard and Campaign Reporting
Our dashboard or campaign reports and available lead details provide visibility into transfer delivery and qualification. Specific data fields and reporting formats depend on campaign setup.
FAQs
Mortgage Refinance Live Transfer FAQs
What is a mortgage refinance live transfer?
A homeowner who has asked about refinancing is contacted by our call centers, who confirm their interest and check the criteria agreed for your campaign. When the borrower matches, the call is transferred live to your loan officer.
Which refinance loan types can a campaign include?
Campaigns can include VA, FHA and conventional refinances, with a cash-out focus, a rate-and-term focus, or both. Not every refinance program is available in every state or campaign, so availability is confirmed during setup.
What's the difference between cash-out and rate-and-term campaigns?
Cash-out campaigns focus on homeowners who want to access home equity. Rate-and-term campaigns focus on homeowners who want to change their rate, payment or loan term without taking cash out. Your campaign can run one focus or both.
Are refinance transfers exclusive?
Yes. Each refinance transfer is sold exclusively to one mortgage company and is not shared with competing lenders.
What qualification criteria can we set?
Criteria are agreed with you during setup. Examples include mortgage balance, estimated property value, estimated equity or loan-to-value, credit score requirements, existing loan type, refinance intent and cash-out interest. Not every campaign uses every field.
Can we target specific states?
State-level targeting is a campaign option. Not every refinance program is available in every state or campaign, so coverage is confirmed during setup.
Does a transfer mean the borrower is approved for a refinance?
No. A transfer means the borrower confirmed interest and matched your campaign criteria based on the answers they provided. Loan eligibility and approval are determined by your loan officers and underwriting.
When is a refinance transfer billable?
A transfer is billable when the call stays connected for at least 90 seconds and the borrower matches the criteria agreed for your campaign. Both conditions are required.
What happens if a transfer doesn't meet our criteria?
Transfers that miss the agreed refinance criteria or the 90-second requirement are not billable. Credits and replacements follow your campaign terms, which we review with you during setup.
How is pricing structured, and how do we get started?
You pay for billable live transfers. Per-transfer pricing is established during campaign setup based on product type, qualification criteria, geography and volume. To get started, book a 15-minute fit call to review your loan types, states, criteria and delivery schedule.
Ready to Add Exclusive Refinance Live Transfers?
Tell us which refinance loans your team closes, your target states, your qualification criteria and your loan officer capacity. We'll walk through campaign terms and pricing on a short fit call.