Primary Loans
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This campaign targets homeowners carrying $1,000 or more in monthly revolving debt, as identified through their credit data. These individuals have a unique opportunity to achieve meaningful financial relief through refinancing.
By consolidating their first and second mortgages and eliminating high-interest revolving debt, homeowners can unlock:
- Lower monthly payments
- Greater financial stability
- Simplified debt management
- Improved long-term financial health
All while maintaining the same overall payment structure.
We offer tailored loan solutions designed to match each homeowner’s debt profile, including:
- Conventional 30-year cash-out loan
- ARM cash-out loan
- NON-QM 30-year cash-out interest-only loan
- Bank statement cash-out loan
By aligning the right loan option with each borrower’s financial situation, this campaign delivers clear, measurable benefits, helping homeowners reduce obligations, streamline their finances, and build a stronger financial future.
Revolving Debt vs. Refinance
A monthly payment of $1,000 toward revolving debt (based on credit card data) typically reflects a balance of approximately $10,500, assuming a 24% annual interest rate. This payment primarily covers interest with minimal reduction in principal.
Cash-Out Refinance Alternatives
With the same $1,000 monthly payment, you can support an equity cash-out of approximately $162,000, based on a 6.25% interest rate over a 30-year term.
Campaign homeowner profile: HELOC, HELOAN, Second Loans
TransUnion/Equifax/Experian
Credit-Based Data
Data on the financial behavior and creditworthiness of homeowners
Targeting Homeowners with a
- FICO of 680+
- Current mortgage amount of: $300,000+
- Loan-To-Value of 0-70%
- Monthly revolving payment excluding mortgage of: $1,000+
- No Junior loan or a Credit line
- Available in every state
Simple Setup, Powerful Results
Launching your campaign is quick and easy, requiring minimal time. Examples of a credit-based and a demographic data letter are attached. Your letter will be personalized with your branding, including logo, imagery, and layout, and the messaging will be tailored to your specifications.
Effectiveness of Direct Mail
Direct mail is one of the most effective ways to reach homeowners ready to refinance—delivering a remarkable 90% open rate. Unlike digital ads that get scrolled past or emails that land in spam, direct mail gets noticed. It consistently drives a higher return on your marketing dollar than social media and email campaigns, helping you connect with qualified borrowers and close more loans.
Pricing & Execution
Credit-based data from TransUnion:
$1.10 per homeowner/letter
Every campaign includes:
- A two-sided letter (color or black & white)
- Homeowner data
- A custom envelope with promotional messaging
- Printing, USPS delivery, and mailing services
Minimum order:
$1,500 leads
Printing by Redstone Print& Mail
What Makes Us Different
Hyper-Targeted Outreach
We use micro-targeting to identify homeowners who are most likely to benefit from a refinance, creating detailed profiles that drive engagement.
Flexible Loan Solutions
Whether it’s QM or Non-QM, we offer tailored loan options to fit every financial scenario—from W2 employees to self-employed entrepreneurs to retirees.
Inclusive Property Coverage
Our programs support both owner-occupied and investment properties
Zip Code-Level Precision
By leveraging Fannie Mae and Freddie Mac’s 2025 loan limits and property zip codes, we deliver accurate Conforming, High Balance, and Jumbo rate offers that match each homeowner’s address.
Direct mail consistently delivers the highest return on your marketing investment, and our targeted, personalized campaigns take it even further, lowering your client acquisition costs while boosting conversions.
Please sign up before you order a campaign, join now