Real-Time · HELOC & Home Equity

Real-Time HELOC & Home Equity Leads from $4

Real-Time HELOC & Home Equity Leads cost $4–$12 per lead. Homeowners looking for a HELOC or home equity loan, matched to your filters and your licensed states.

Last updated October 25, 2026

What's in a real-time HELOC and home equity lead?

Real-time HELOC and home equity leads connect you with homeowners looking for a HELOC or home equity loan. Here is the price, the data on each record and how delivery works. Home equity borrowers often want to keep a low first-mortgage rate, so CLTV and the amount of equity wanted tell you whether a HELOC or second lien fits. Real-time HELOC and home equity leads arrive within seconds of the borrower submitting the form, priced $4–$12 per lead depending on exclusivity and the borrower's self-reported credit tier. Every record carries the borrower's name, phone, email and state plus equity amount wanted, loan balance, property value, cltv, 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. Choose email, SMS, webhook or a CRM integration for delivery; each channel works independently, so alerts and automation can run side by side. Teams typically assign records to whoever can dial fastest, because the first conversation usually decides who earns the application. You can pause, resume or change caps at any moment, and real-time leads that meet an approved reason can be returned within 72 hours. A practical rollout is to test one product for two to four weeks, track which borrowers answer, apply and close, then shift spend toward whatever produces the lowest acquisition cost for your team. 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.

  • Equity amount wanted
  • Loan balance
  • Property value
  • CLTV
  • Purpose of funds
  • Credit tier
  • Name, phone, email
  • Consent text, timestamp & IP
Sample lead Real-time
Borrower name hidden until purchase
Loan purpose
HELOC & Home Equity
Location
Your licensed states
Credit tier
Good (680+)
Consent
Text, timestamp, IP + certificate
Illustrative layout — real leads show full contact details after purchase.

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 real-time HELOC and home equity leads cost?

Real-Time HELOC & Home Equity Leads: $4–$12 per lead, straight from our published rate card.

Exclusive Home Equity

Excellent / Good credit (680+)

$12

per lead

Sold to you only, delivered in real time.

Sign up

Exclusive Home Equity

Fair credit (620–679)

$12

per lead

Sold to you only, delivered in real time.

Sign up

Exclusive Home Equity

Poor credit (<620)

$7

per lead

Sold to you only, delivered in real time.

Sign up

Shared Home Equity

Excellent / Good credit (680+)

$6

per lead

Sold to a maximum of 3 buyers.

Sign up

Shared Home Equity

Fair credit (620–679)

$6

per lead

Sold to a maximum of 3 buyers.

Sign up

Shared Home Equity

Poor credit (<620)

$4

per lead

Sold to a maximum of 3 buyers.

Sign up

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.
Important: Mortgage Leads Co is a lead generation marketplace. We are NOT a lender, mortgage broker or loan originator. We do not quote rates, approve loans, issue loan commitments or close mortgages. Buyers are solely responsible for licensing and compliance with TCPA, RESPA and applicable state law.

When to buy real-time vs other HELOC and home equity leads

The same borrowers, sold four ways — pick the one that matches your speed and budget.

Frequently asked questions

Start receiving HELOC and home equity leads

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