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Equity Loan ProspectsHomeowners with Equity and High Debt
These Homeowners have high equity in their homes and are carrying high revolving debt. This information comes directly from the credit bureau. This is an excellent list for home equity offers. Financial marketers can select by LTV%, revolving debt as well as Beacon Score, # of open trades and current balance on all open loans to really pinpoint the right prospects for their offer.
In today's market, it's also key to remember that financial marketers are facing tremendous competition and need to make sure their offers and mailpiece stands out in the crowd. Appropriate FCRA disclaimers must be printed on mail pieces utilizing this list. Click here for additional information about the Credit Score lists we offer. Homeowners with 2nd MortgagesOften strapped for cash, homeowners with second mortgages are good prospects for Equity Loans. Select by 2nd mortgage transaction date, loan amount, loan type and telephone availability. Homeowners with Children 15-18 years old These pre-college families often secure Equity Loans on their Homes as a way to finance college education for their children. Select by homeowner age, estimated household income, presence of spouse, home value, as well as telephone availability. Homeowners with High Available Equity This new list uses an Estimated Available Equity data element to accurately predict home equity. The value of equity equals the estimated current home value minus the mortgage amount. If the loan has come to term, the buyer has 100% equity in the home. Sale price, sale date, mortgage amount, and loan term are variables of this list, in addition to presence of telephone number. Homeowners with high home value and large amounts of equity are most receptive to home equity loans, home improvement opportunities, purchase of second homes, and luxury products such as vacation packages or luxury cars, since they may want to convert come of their equity into cash. Homeowners with Low Loan-To-Value Ratios This is a percentage of home loan amounts divided by the current market value of the home. The lower the Loan-to-Value ratio, the more equity the homeowner has on the home. Homeowners with low Loan-To-Value ratios are excellent equity loan prospects. Direct Mail Responders Homeowners, length of residence 5+ years, with presence of credit card, under 65 years of age. Estimated household income and/or home value are also available. This list with or without telephone number. Pre-Natal Households These families will be having children in the near future. A larger family often means rising expenses in terms of a larger home or an additional car. Many young families are excellent candidates for Equity Loans. |
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