California mortgage live transfer calls

How do mortgage live transfers work in California?

If you originate in California and are weighing mortgage live transfers, here is the price from our rate card, the borrowers you can reach and how delivery works. With a live transfer a screened California borrower is connected straight to your phone during the call hours you set, and you are billed $95–$150 per call only when it passes the 90-second buffer. Live transfers are available for purchase, refinance, cash-out refinance and DSCR. Lead types available this way in California include purchase leads, refinance leads, cash-out refi leads, DSCR leads. FHFA set the baseline one-unit conforming loan limit for California at $832,750 for 2026, so larger requested amounts are jumbo scenarios. FHA one-unit limits run from $541,287 to $1,249,125 depending on the county. The typical home value is $809,227 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Routing checks your CA license selection, loan purpose, credit tier, loan amount and daily caps before anything is charged to your wallet, so you never pay for borrowers outside your footprint. To originate a mortgage on property in California you must hold the license California requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact California leads if you are properly licensed there. 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. Buyers across the West often pair California with neighboring licensed states to raise volume while keeping cost per funded loan predictable.