Our list of mortgage prospects with 125% LTV is a narrow, responsive target of homeowners who may be great prospects for refinancing.

A High Response Niche:

If you’re looking to target homeowners who are upside-down on their mortgage, our 125% Loan-to-Value (LTV) prospect list is built for just that.

These are homeowners whose mortgage balance exceeds their home’s current value—by as much as 25%. That makes them strong candidates for refinancing, especially if they’re trying to consolidate high-interest debt like credit cards or personal loans.

These individuals are often actively seeking financial solutions. A 125% LTV loan typically comes with a higher interest rate due to its elevated risk level. That’s exactly why many of these homeowners are exploring refinancing options—to reduce monthly payments, pay off high-interest debt, or access additional funds. It’s a strong opportunity for mortgage brokers, credit counselors, and lenders alike.

This audience may have been turned down by traditional lenders but still wants a path forward. With the right message and product, your outreach can make a major impact.

These homeowners are also ideal candidates for:

• Credit counselors

• Debt relief firms

• Attorneys

• Banks and credit unions

125% LTV Prospects – List Options Include:

• Recent Buyers with Low Down Payments
  Target by home value, mortgage amount, and purchase date. Scrubbed phone numbers available where applicable.

• Established Homeowners Needing Capital
  Millennials, moderate income, with a proven track record of responding to direct mail or phone offers. Filter by home value, ownership length, and more.

Fast Turnaround:

Most lists delivered within 2 hours via email during business hours (Mon–Fri, 9–5 ET).