1to1mortgage

1to1 mortgage main logo
Menu

Primary, Rental, and Second Loans

Please sign up before you order a campaign, join now

This campaign targets homeowners carrying $1,000 or more in monthly revolving debt, as identified through their credit data. Both primary residence owners and rental property investors stand to benefit significantly from refinancing opportunities. By consolidating their primary mortgage and paying off high-interest revolving debt, these homeowners can reduce monthly expenses and improve long-term financial stability.

We will present them with a range of tailored solutions, including:

  • Rate & term refinance options for their primary home
  • Cash-out refinance opportunities for their primary home
  • Loan programs for investment properties to optimize rental portfolios
  • HELOCs or second loan options for their primary home

The campaign demonstrates clear financial benefits, positioning refinancing as a strategic tool to lower costs, simplify debt management, and unlock equity potential.

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
gift

Minimum order:

$1,500 leads

print

Printing by Redstone Print& Mail

Redstone Print & Mail – Direct Mail and Fulfillment

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