Second Loans
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This campaign targets homeowners with $1,000 or more in monthly revolving debt (as identified through their credit data) who own a rental property and do not currently hold a second loan.
These homeowners represent a strong opportunity for refinance, with the potential to reduce debt burdens and unlock significant financial benefits.
Key features of the campaign include:
- Cash-out refinance options tailored to their existing monthly revolving debt payments.
- Availability across primary residences, second homes, and rental properties.
- Flexible loan products designed to meet diverse needs:
- HELOCs (Home Equity Lines of Credit)
- HELOANs/Second Loans for primary and rental properties
- Non-QM HELOCs and HELOANs for investment properties
By leveraging these options, homeowners can consolidate debt, improve cash flow, and maximize the value of their properties.
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
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.
Please sign up before you order a campaign, join now