Our partnerships with a large volume of web sites continuously route "loan quote requests" to our database where filters are applied with the criteria that you have selected.

NON-EXCLUSIVE LEADS
Our non-exclusive mortgage leads are made available to multiple brokers and are sold on average 0.59 times depending upon geographic location and/or filtering criteria demand. Filters include loan type, credit rating, property type, loan amount, LTV, and state.

CUSTOM FILTERS (additional criteria) - For each of the items listed above under additional criteria. To use this feature of GoApplyLeads.com, log into your GoApplyLeads.com account and under Lead Criteria, you can select Requested Loan Amount and LTV as your additional filters.

Leads can be delivered via auto routing or manually through our Overstock Lot. Auto-routed Leads based on your criteria are delivered to you either in “Real Time” throughout the business day as leads are received and cleared through our quality assurance system or in a batch format the next business morning at approximately 6:00 am PST, or 9:00 am EST.

Our non-exclusive mortgage leads are sold on average 2.50 times to our brokers. Higher demand states are likely to experience a great number of average turns.

You will receive your leads via email, fax or GoApplyLeads Management System. You have complete control to set and monitor your delivery criteria.

This is an option you can choose. Our goapply.com website and many of our contracted partnerships with a large volume of web sites continuously route “real-time” loan quote requests to our database 24/7/365 where quality assurance testing, including live call center telephone verification procedures, are implemented and filters are applied to ensure the highest quality lead possible; delivered to you via email usually within minutes of the loan quote request being submitted by the consumer.

You have complete control over how fast you get your leads. Here is how it works:

	It takes no longer than 24 hours for us to activate your account and complete the real-time interface to you. You will start receiving leads automatically by the next business day.
	You may choose to cherry pick your leads in our Overstock Lot®: Once your account is funded and have your account verified by your Account Manager, you can buy your first lead immediately.

Once your account is activated, you will receive leads in real time 7 days a week.

Working Internet leads is a numbers game and is much different than working an inbound phone call to your business. Buying 2, 3 or 4 leads just doesn't work. Our most effective brokers buy a minimum of 5 or more leads a day per Loan Officer depending on other inbound marketing efforts, with application rates in the 20%-40% range and funding rates in the 5%-15% range. We suggest you buy a minimum of 50 leads to effectively evaluate the Cost per Funded Loan on these efforts and create a sales process for your Loan Officers to ensure success. We suggest you adopt the sales techniques and materials provided in our FREE sales training to increase your contact ratios with these consumers.

No, you are able to buy leads based on the following basic criteria: Loan Purpose, Credit Rating, Property Type and State.

No, you will not be able to hand pick your own leads. However, you will receive the leads that meet the exact criteria you have selected. These leads will be automatically routed to you, so in a sense you are choosing the leads you want. Our Overstock Lot® gives you the ability to hand pick leads if you so desire.

Automatically Routed Leads: While restrictions do apply, returning leads couldn't be easier. Simply go to the "Leads section" after logging into your account at GoApplyLeads.com. Then click on Dispute Lead and insert the lead id and reason for returning within 5 days of purchase. Dispute percentages are electronically monitored and limited to a maximum of 20% of your total lead purchase volume for a rolling sixty (60) day period. We guarantee the lead to have a valid name, one valid contact phone number, and that the property is not a mobile home, raw land or commercial property. We do not guarantee that their home value, requested loan amount, credit quality, or interest rate is exactly correct as these are estimates entered by the consumer when completing the application. Since most of our leads are non-exclusive, the customer may have started a loan process with another Loan Officer or received quotes and then "changed their mind", so this is not a valid reason for a dispute. We recommend contacting the customer as soon as you get the lead so you can be the first to earn their business. GoApplyLeads reserves the right to monitor your returns and change or adjust this policy without notice. All returns are verified by our call center and all call center dispositions are final. We will issue a store credit for validated returns up to the maximum allowed return limit. Abuse of our return policy is subject to a $10 per returned lead surcharge.

Overstock Lot Leads: OVERSTOCK LOT LEADS OLDER THAN TWO (2) BUSINESS DAYS ARE SOLD ON AN AS-IS BASIS WITHOUT WARRANTY OF ANY KIND AND MAY NOT BE RETURNED UNDER ANY CIRCUMSTANCES. SUBJECT TO THE MAXIMUM DISPUTE PERCENTAGE RESTRICTIONS, OVERSTOCK LOT LEADS TWO (2) DAYS OLD OR NEWER MAY BE RETURNED FOR STORE CREDIT.

We guarantee the two (2) day old or newer Overstock Lot lead to have a valid name, one valid contact phone number, and that the property is not a mobile home, raw land or commercial property. We do not guarantee that their home value, requested loan amount, credit quality, or interest rate is exactly correct as these are estimates entered by the consumer when completing the application. Since most of our leads are non-exclusive, the customer may have started a loan process with another Loan Officer or received quotes and then "changed their mind", so this is not a valid reason for a dispute. We recommend contacting the customer as soon as you get the lead so you can be the first to earn their business. GoApplyLeads reserves the right to monitor your returns and change or adjust this policy without notice. All returns are verified by our call center and all call center dispositions are final. We will issue a store credit for validated returns up to the maximum allowed return limit. Abuse of our return policy is subject to a $10 per returned lead surcharge.

Yes! Which is why we have developed our FREE training called "Selling the Online Customer". This comprehensive sales training will provide you with unique ways to work the Internet customer both in terms of process and sales pitch. We provide you with a method and template tools that will guarantee your success! Our training has proven successful by the thousands of brokers and lenders who have adopted these techniques, to help them stand out from the crowd. See our Training tab for more details

Yes! We work with a pedigree of the nations largest institutional lenders, and have special programs tailored for their specific needs. Call 888-435-3239 and ask for our V.P of Lender Relations, Bill Swift, for more information. We are happy to undergo your due diligence process and will work with you to ensure you attain your desired metrics. With over 200,000 lead sales a month, we are uniquely positioned to service larger lenders.

GoApplyLeads has adopted strict compliance rules to protect the privacy of consumers. We contractually require all marketing partners to do the same by their adopting a strict adherence to both the CAN-SPAM ACT of 2003 and the rules promulgated under the National Do-Not-Call Registry Act as well as various state privacy laws. We capture date & time stamp as well as IP address for when a customer "opted in" to be contacted regarding their Quote Request. In those rare instances when there appears to be criminal activity such as Identity Theft or when there is a customer who simply misunderstands or is misinterpreting the laws application to them, we encourage you to contact us. Our customer service department and our in-house legal counsel are standing by to help you address these issues with the customer and to resolve their concerns. We protect ourselves and our Lending customers with the most comprehensive compliance policies and practices of any Lead company in the industry…bar none! We are proud of our compliance program which is why today such serious issues occur on average in less than 0.25% of our leads.

Yes! In a move not undertaken by most other lead aggregation companies, Go Apply, Inc. has taken the bold step to obtain a Mortgage Broker license in all 50 states. New licenses are being approved weekly. Click Here to see a list of our licenses. Most all states are adopting legal interpretations that classify the act of securing contact information under the definition of mortgage brokering. In anticipation of this trend, Go Apply Inc. in early 2004 sought and received qualification certificates to conduct business in every state in the Union. From there we have actively sought to be licensed as a mortgage broker so that there is no legal issue with our ability to provide you with quality lead data. If you're not buying your leads from Go Apply, Inc. how sure are you that the company you currently buy leads from is in compliance?

No. You, as the person who is actually calling the consumer to sell your loan services, are responsible for compliance with the Do-Not-Call laws. GoApplyLeads, despite our efforts to ensure our leads are within Do-Not-Call legal guidelines, cannot legally stand in your place and absolve you from your responsibility to be in compliance with the law. State and federal Do-Not-Call registries exist to prevent unsolicited telemarketing calls, not calls from persons who have asked to be contacted. Under Federal rules (and most all states), “safe harbors” exist to allow a consumer to expressly grant permission to be contacted even though they have registered their phone number with a state or federal Do-Not-Call registry. A consumer submitting a Quote Request via the internet to GoApplyLeads is granting permission to be contacted and under safe harbor rules they may be contacted up to 90 days after they submitted the permissive contact Quote Request. We, along with those affiliates contracted with us, take extraordinary steps to ensure the consumer knows and understands that by submitting their Quote Request they are granting express permission to be contacted by one or more brokers or lenders signed up with us, even if they are registered on a Do-Not-Call registry. We also provide to the consumer a list of all brokers and lenders subscribing to our service who may be contacting them. Finally we record the date, time and IP address for all Quote Requests received by us and can make such data available to you should you need to show when and from where permission to be contacted occurred. NEVERTHELESS, and despite our extraordinary efforts, current law holds you, the caller (telemarketer) responsible to comply with the Do-Not-Call rules. THEREFORE, if you are unsure about your exposure to fines under the Do-Not-Call laws, we recommend that you work with your independent counsel to develop and implement a compliance plan for your business.