Mortgage is the vertical where the public record is most complete and least used. A deed of trust names the borrower, the amount, the term and the date. The assessor states what the property is worth now. The difference between those two numbers is the entire refinance and cash-out business, and none of it requires a credit pull — which means none of it can be resold to your competitors the way a trigger lead is the moment it is created.
Every loan originated inside a high-rate stretch is identifiable as a cohort, by name and address, long before the spread makes a refinance worth calling about. Adjustable products carry a first-adjustment date fixed at closing — we work those ninety days out, not thirty.
Recorded principal against current assessed value, adjusted for amortization, gives an estimated equity position for every property in a county. That ranks a cash-out list, finds the FHA borrowers who can now drop mortgage insurance, and flags who is paying card rates on money they already own.
Cash purchases with no lien recorded sit inside the delayed-financing window. Recorded defaults are families receiving forty offers to buy and nothing explaining their options. Divorce and probate filings put somebody on a note they need to come off, or an heir who wants to keep a house and needs the financing to do it.
We build your campaign from the evidence above, wall it off from every other account we run, and settle on booked work at day 30. No household we find for you is worked for anyone else.
It can be more than one, but your budget never bids against theirs. Overlapping accounts are separated by ZIP, keyword and audience before any spend goes live, and a household is only ever worked for one client. If two service areas cannot be cleanly split, we will say so on the first call.
A customer on your calendar with a date and an address, a quote accepted in writing, a signed agreement, or an issued work order. Not a name nobody called, and not a click.
That depends entirely on how often the source jurisdiction publishes. Some county portals update daily and some weekly, and we will tell you which applies to your territory before you subscribe rather than after.
Tell us the counties and ZIPs you cover and how much work your crew can absorb. We will come back with what that territory actually produces, what the county's publishing cadence allows, and an honest read on whether 30 in 30 is realistic there.