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Articles on:Late Mortgage FAQ
How we identify homeowners behind on payments, what property and financial data is included, and how to approach them with compassion and proactive solutions.

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  • Are these leads pre-foreclosure?
    Yes, these leads are considered pre-foreclosure, as they identify homeowners in the early stages of mortgage delinquency. However, “pre-foreclosure” leads from other providers typically refer to homeowners who have had a Notice of Default (NOD) or Lis Pendens filed.  They typically aggregate the data from the public filing which usually occurs after payments are 5 or more months late.  Since the leads we furnish are at even earlier stage before* *public filing, we refer to them as LateFew readers
  • Do you include the stage of delinquency (60/90/120 days)?
    Yes, the leads specify the delinquency stage, allowing you to tailor your approach based on urgency.Few readers
  • What information comes with each lead (property, mortgage data, owner contacts)?
    Each lead includes:  Homeowner's name   Homeowner’s contact information – address, phone number, email  Property address and details  Loan amount and loan-to-value ratio  Estimated market value  Delinquency stage: How many days the mortgage is late (60/90/120 days)   Multi-step Address Validation & CASS Certification  Standardize – Formats and abbreviates the address to USPS standards.  Parse – Breaks the address into components (street, city, ZIP, etc.)  Verify – ConFew readers
  • How do I approach a homeowner behind on their mortgage without being intrusive?
    These homeowners are often stressed, fearful, and unsure of their options. Compassion and clarity are key.  Be direct, but kind—let them know you're here to help them avoid worse outcomes.  You might say:  *“I understand things might be tough right now. I work with homeowners who are behind on payments and help them explore every option to avoid foreclosure—whether that’s selling quickly, restructuring, or finding short-term solutions to reduFew readers
  • Can I filter for equity or mortgage balance?
    Yes, All The Leads provides data that allows you to assess equity positions and prioritize leads accordingly. You can utilize the built-in filter options in the All The Leads CRM to sort your data based on your preferences.Few readers
  • What are late mortgage payment leads?
    Late mortgage leads identify homeowners who are 60 to 120 days behind on mortgage payments, before a public Notice of Default (NOD) or Lis Pendens has been filed.Few readers
  • How do you determine if someone is behind on their mortgage?
    All The Leads utilizes proprietary data sources to identify delinquent mortgage accounts, providing early indicators of financial distress.Few readers
  • Are these homeowners more likely to sell?
    Homeowners facing financial difficulties may be more motivated to sell to avoid foreclosure, presenting opportunities for real estate professionals.Few readers

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