Aged · VA IRRRL
Aged VA IRRRL Leads for loan officers
Aged VA IRRRL Leads cost $0.50–$5 per lead. Veterans with an existing VA loan looking for a streamline rate reduction, matched to your filters and your licensed states.
Last updated October 25, 2026
What's in a aged VA IRRRL lead?
This page covers aged VA IRRRL leads: who the borrowers are, what each record includes, what it costs and how to start receiving them. VA IRRRL candidates already hold a VA loan, so current rate, balance and military affiliation tell you whether a streamline refinance lowers their payment. Aged VA IRRRL leads are opt-in inquiries at least 31 days old, priced $0.50–$5 per record with a 25-lead minimum and bulk discounts at 250 and 1,000 leads. Every record carries the borrower's name, phone, email and state plus va / military, current rate, loan balance, property value, and you can filter on each of these before anything is delivered. Consent text, a timestamp, the IP address and a TrustedForm or Jornaya certificate are attached wherever the source form captured them. Orders route to your inbox, phone, webhook endpoint or CRM the moment a matching borrower submits, and Zapier covers hundreds of other tools. Teams typically assign records to whoever can dial fastest, because the first conversation usually decides who earns the application. There are no contracts or setup fees: fund a prepaid wallet, set daily and monthly caps, and pause whenever your pipeline is full. Most teams begin with a modest daily cap, phone every new record within the first minute, log outcomes in their CRM and review contact rate, application rate and cost per funded loan after thirty days before scaling budget up or down. Mortgage Leads Co is a lead marketplace, not a lender, broker or loan originator, and you must be licensed in every state you buy leads for.
- VA / military
- Current rate
- Loan balance
- Property value
- Credit tier
- Occupancy
- Name, phone, email
- Consent text, timestamp & IP
- Loan purpose
- VA IRRRL
- Location
- Your licensed states
- Credit tier
- Good (680+)
- Consent
- Text, timestamp, IP + certificate
Key facts about Mortgage Leads Co
- Mortgage Leads Co is a marketplace where loan officers, brokers and lenders buy mortgage leads; it is not a lender, mortgage broker or loan originator.
- Lead types sold: Purchase, Refinance, Cash-Out, DSCR, Home Equity, Reverse, Home Seller, aged leads and live transfer calls.
- An exclusive lead is sold to exactly one buyer; a shared lead is sold to a maximum of three buyers.
- Real-time leads can be returned within 72 hours for approved reasons and are credited back to the buyer's wallet.
- There are no contracts or setup fees; buyers prepay a wallet and pay only for leads delivered.
- Wallet packs are available at $250, $500, $1,000, $2,500.
- Leads are available in all 50 states plus Washington, DC, and routing only sends borrowers from the buyer's licensed states.
- Every lead includes consent documentation: consent text, a timestamp, an IP address and a TrustedForm or Jornaya certificate where captured.
How much do aged VA IRRRL leads cost?
Aged VA IRRRL Leads: $0.50–$5 per lead, straight from our published rate card.
Price per lead by age
- 31–90 days
- $5
- 91–180 days
- $2
- 181–365 days
- $1
- 1 year+
- $0.50
Adjustments & bulk discounts
- Never-sold premium+25%
- Heavily worked (sold 3+ times)−30%
- Complete-record bonus+$0.25
- 250+ leads−10%
- 1,000+ leads−20%
- Minimum order25 leads
The fine print, in plain English
- Exclusive: sold one time, to one buyer only.
- Shared: sold to a maximum of 3 buyers.
- Live transfers: billed only for connected calls that pass the 90-second buffer.
- Per-product: prices and available filters are shown for each product above.
- No guarantees: buying leads doesn't guarantee lead volume, contact rates or closed loans.
- Not a lender: Mortgage Leads Co doesn't lend, broker, quote rates or approve loans.
When to buy aged vs other VA IRRRL leads
The same borrowers, sold four ways — pick the one that matches your speed and budget.
Other ways to buy VA IRRRL leads
How to work these leads
Frequently asked questions
Aged leads in other types
Top states for VA IRRRL leads
Start receiving VA IRRRL leads
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