FHA Prospect Database

FHA helps smart lenders grow in a challenging mortgage environment.

With sub-prime lending facing ongoing challenges, many lenders are either closing their doors, cutting back on new loans or tightening their lending criteria. The winners in today’s challenging mortgage environment will be lenders who seize the opportunity to expand their businesses for credit-impaired homeowners by leveraging FHA mortgage alternatives.

New FHA guidelines make it easier than ever for your customers to qualify.

Insured by the Federal Government, FHA loans offer competitive interest rates and easy credit qualifying to individuals who don’t meet conventional loan requirements. Consumers with low credit scores, late payments, collections, and bankruptcies in their histories may be considered for approval. FHA loans offer relaxed debt-to-income ratios and require low or even no down payment depending on the county.

Increase responses by identifying qualified, motivated FHA prospects.

Using customized criteria at the county level selected for your unique geography and loan program, Ism Leads can help you quickly and easy identify prospects for your targeted FHA offers. These homeowners may have an immediate need to consolidate debt, refinance or take cash out. Select either non-regulated or pre-screened prospect lists from our fully compliant homeowner databases.

• Invitation-To-Apply (ITA) non-regulated databases
Connect with FHA prospects that are most likely to respond and fund by leveraging Ism Lead ’s sub-prime ITA model. Our streamlined process allows for data selections to be customized at the county level to meet FHA’s loan limits and other lending criteria in all your markets. These limits are likely to be increased by the FHA soon. Ism Leads uses leading edge AVM data and proprietary processes to provide highly accurate property values to match FHA lending criteria in all counties. We optimize LTV and lendable equity calculations and offer all the attributes needed to create a precision-targeted FHA prospecting list.

• Credit Scored / Pre-screened - regulated
To further hone in on targeted FHA opportunities, you can pinpoint your ideal prospects that pre-qualify and have a need by customizing a database using individual credit score ranges, mortgage history and debt amounts. All credit-scored homeowners are identified using multiple data sources and a proprietary screening process. Credit data is updated daily.

Don’t be left out of the FHA boom.

In today’s dynamically changing marketplace, Ism Leads can connect you with the best prospects to help you fund more loans and grow your business. Let us show you how to capitalize on the FHA boom by maximizing your companies marketing efforts and overall return on investment.

Mortgage Data Cards