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Florida · Debt Consolidation Leads

Buy debt consolidation mortgage leads in Florida

Homeowners who want to use their home equity to pay off credit cards and other debts in Florida, delivered in seconds and matched to your filters.

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How do I buy debt consolidation mortgage leads in Florida?

Every Florida lead we deliver comes from homeowners who want to use their home equity to pay off credit cards and other debts, matched against the filters you set. Debt consolidation borrowers are homeowners comparing a cash-out refinance against their current card and loan payments, so the cash-out amount, current balance and LTV show quickly whether consolidating actually lowers their monthly outlay. FHFA set the baseline one-unit conforming loan limit for Florida 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 $405,280 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Inside the buyer portal you choose FL as a licensed state and stack filters such as Cash-out amount, Purpose of funds, Loan balance, Property value & LTV; anything outside them is never sent. Prices for debt consolidation mortgage leads start at $13 and reach $50 per lead, set by exclusivity and the borrower's self-reported credit tier rather than by state. To originate a mortgage on property in Florida you must hold the license Florida requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact Florida leads if you are properly licensed there. 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. Buyers across the South often pair Florida with neighboring licensed states to raise volume while keeping cost per funded loan predictable.

  • Cash-out amount
  • Purpose of funds
  • Loan balance
  • Property value & LTV
  • Credit tier
  • Employment

Florida loan data

Conforming loan limit (1-unit, baseline)High-cost counties can be higher, up to $1,249,125.
$832,750Source: FHFA, Conforming Loan Limit Values for 2026 (one-unit) · as of Nov 25, 2025
FHA loan limit range (1-unit)Exact limit depends on the county.
$541,287 – $1,249,125Source: HUD Mortgagee Letter 2025-23 (one-unit forward limits) · as of Jan 1, 2026
High-cost counties (2026 conforming)Monroe County ($990,150)
1 county — up to $990,150Source: FHFA 2026 county conforming loan limits · as of Nov 25, 2025
Typical home value (Zillow ZHVI)
$405,280Source: Zillow Home Value Index (typical home value, as listed on Wikipedia) · as of Jul 31, 2025

To originate a mortgage on property in Florida you must hold the license Florida requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact Florida leads if you are properly licensed there.

Sample lead Real-time
Borrower name hidden until purchase
Loan purpose
Debt Consolidation
Location
Miami, FL
Credit tier
Good (680+)
Consent
Text, timestamp, IP + certificate
Illustrative layout — real leads show full contact details after purchase.

How much are debt consolidation mortgage leads in Florida?

Cash-Out Refinance Live Transfer

Live call

Screened to your filters

$135–$150

per billable call

Billed only on connected calls lasting 90+ seconds.

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Exclusive Cash-Out

Excellent / Good credit (680+)

$50

per lead

Sold to you only, delivered in real time.

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Exclusive Cash-Out

Fair credit (620–679)

$32

per lead

Sold to you only, delivered in real time.

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Exclusive Cash-Out

Poor credit (<620)

$22

per lead

Sold to you only, delivered in real time.

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Shared Cash-Out

Excellent / Good credit (680+)

$20

per lead

Sold to a maximum of 3 buyers.

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Shared Cash-Out

Fair credit (620–679)

$18

per lead

Sold to a maximum of 3 buyers.

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Shared Cash-Out

Poor credit (<620)

$13

per lead

Sold to a maximum of 3 buyers.

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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.

Frequently asked questions

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