Real-time home equity / HELOC leads in Rhode Island

How do I buy home equity / HELOC leads in Rhode Island?

If you originate in Rhode Island, our home equity / HELOC leads connect you with homeowners looking for a HELOC or home equity loan who asked to be contacted. 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. FHFA set the baseline one-unit conforming loan limit for Rhode Island 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 $506,723 according to Zillow Home Value Index (typical home value, as listed on Wikipedia). Inside the buyer portal you choose RI as a licensed state and stack filters such as Equity amount wanted, Loan balance, Property value, CLTV; anything outside them is never sent. Prices for home equity / HELOC leads start at $4 and reach $12 per lead, set by exclusivity and the borrower's self-reported credit tier rather than by state. To originate a mortgage on property in Rhode Island you must hold the license Rhode Island requires (company and individual originator, managed through NMLS) or qualify for an exemption. Only receive and contact Rhode Island 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. 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 Northeast often pair Rhode Island with neighboring licensed states to raise volume while keeping cost per funded loan predictable.

• Equity amount wanted
• Loan balance
• Property value
• CLTV
• Purpose of funds
• Credit tier