Mortgage live transfers are the fastest way to turn marketing dollars into closed loans. Instead of buying a name and a phone number and hoping the borrower answers, you get a pre-qualified homeowner on the phone with your loan officer, live, the moment they say they're interested. Looking specifically for refinance borrowers? See our mortgage refi leads and refinance live transfers.
LiveTransfers.com mortgage live transfers are sold on our Live Transfer Exchange, and every call comes with a 120-second buffer. Your loan officer has two full minutes to confirm the homeowner is interested and meets your quality filters. If they don't, end the call within 120 seconds and you don't pay for it.
What is a mortgage live transfer?
A mortgage live transfer is a phone call with a homeowner who has just been screened for a loan and connected straight to your loan officer. You aren't buying a form someone filled out last week. You're buying a conversation with a borrower who is on the line right now and expecting your call.
That's the difference between a mortgage lead and a mortgage live transfer. A regular mortgage lead is information. A live transfer is an opportunity you can work immediately — and close on the first call.
How mortgage live transfers work on the Live Transfer Exchange
- You set up your campaign. Choose your licensed states, the hours your loan officers take calls, your daily volume and the quality filters a homeowner has to meet.
- You set your bid. Decide what you'll pay per transfer. Higher bids win more volume.
- Call centers screen homeowners. Homeowners are pre-qualified against your filters, and every number is scrubbed in real time against the National Do Not Call Registry, state DNC lists and known litigators before the call reaches you.
- The call rings your phone, live. Transfers go to one loan officer or ring through a hunt group of your team.
- You get 120 seconds to qualify. Confirm interest and your parameters. Keep the call past 120 seconds and it's billable; end it inside the buffer and it's free.
The 120-second buffer: you only pay for qualified homeowners
Every mortgage live transfer on the Live Transfer Exchange includes a 120-second buffer. When the call connects, your loan officer has 120 seconds to:
- Confirm the homeowner is genuinely interested
- Check them against your quality filters — state, loan amount, equity, credit range, property type, loan type and goal
- Decide whether the call is worth working
If the homeowner isn't interested or doesn't meet your parameters, end the call within the 120 seconds and it isn't billed. Calls that go past 120 seconds are billable. There are no return forms, no disputes and no waiting for credits — quality control happens in real time, on your side of the phone.
Mortgage leads available as live transfers
- Rate-and-term refinance — homeowners looking to lower their rate or payment
- Cash-out refinance — homeowners tapping equity for debt consolidation, home improvements or tuition
- FHA and VA refinance — including FHA streamline and VA IRRRL
- Conventional — Fannie Mae and Freddie Mac borrowers
- Home equity and HELOC borrowers
- Reverse mortgage — homeowners 62 and older
- Purchase — buyers ready to get pre-approved
Quality filters you can set
- Licensed states (and narrower geography if you want it)
- Minimum loan amount and maximum loan-to-value
- Current loan type and interest rate
- Credit range, and no recent bankruptcy or foreclosure
- Property type and occupancy — for example, no mobile or manufactured homes
- Goal: lower payment, cash out, consolidate debt or shorten the term
- Call hours and daily cap, so calls only come when your loan officers can answer
Your filters are what your loan officer checks during the 120-second buffer. The clearer they are, the faster your team can qualify each call.
Mortgage live transfers vs. internet leads vs. aged leads
Every type of mortgage lead has a place. Here's how they compare:
| Live transfers | Internet (form) leads | Aged leads | |
|---|---|---|---|
| Contact rate | 100% — the prospect is on the line | Often under half; many never pick up | Low — weeks or months old |
| Exclusive? | Yes, sold to one buyer | Often sold to 4–15 buyers | Usually resold many times |
| Speed | Real time | Minutes to hours — a race against other buyers | Days to months |
| Pre-qualified | Yes, by a live operator | Only what the homeowner typed into a form | Whatever was true when the lead was new |
| Cost per lead | Highest | Medium | Lowest |
| Cost per sale | Often the lowest, because far more turn into talks | Varies widely | Depends on how much dialing you do |
Internet leads can be cheap per lead, but a lot of them are shared, stale or never answer. Live transfers cost more per lead and usually much less per closed loan — because your loan officers spend their day talking to borrowers instead of dialing.
How much do mortgage live transfers cost?
On the Live Transfer Exchange you set your own bid per transfer, by state, and you only pay for calls that pass the 120-second buffer. What moves the price:
- Loan type and goal. Cash-out and debt-consolidation homeowners are worth more than broad rate-and-term campaigns.
- Your quality filters. Higher minimum loan amounts and tighter equity or credit requirements mean fewer homeowners qualify.
- States and hours. More licensed states and longer call hours bring more volume.
- Your bid. Higher bids get priority on available calls.
Set your bid on LiveTransferExchange.com → Or call 1-800-622-4319 and we'll help you set up your campaign.
Why loan officers buy mortgage live transfers on the Exchange
- Exclusive. Each homeowner is transferred to one buyer only.
- Pay only for qualified calls. The 120-second buffer means you never pay for a homeowner who doesn't fit.
- You control price and volume. Set your bid, your states, your hours and your daily cap.
- Real-time DNC and litigator scrubbing on every call.
- Built for teams. Ring one loan officer or a hunt group.
- Since 2001. From the company that coined the term Live Transfers®.
Other mortgage live transfer campaigns
- Mortgage refinance live transfers — rate-and-term and cash-out refi homeowners
- FHA mortgage live transfers — FHA streamline and FHA-to-conventional
- VA mortgage live transfer leads — veterans and IRRRL refinances
- Reverse mortgage live transfers — homeowners 62 and older
- Loan modification live transfers — homeowners behind on payments
- Real estate live transfers — buyers and sellers for agents
Want to generate your own mortgage live transfers?
If you already have your own data or aged mortgage leads, LiveTransfersAI calls them for you: an AI agent qualifies every live answer and transfers interested homeowners to your phone.
Frequently asked questions
What are mortgage live transfer leads?
A mortgage live transfer is a homeowner who has been pre-qualified and connected to your loan officer by phone in real time, while still on the line. Unlike a regular mortgage lead, you don't have to chase the borrower.
Where are mortgage live transfers sold?
LiveTransfers.com mortgage live transfers are sold on the Live Transfer Exchange (LiveTransferExchange.com), where you set your bid per transfer, your licensed states, your hours and your quality filters.
What is the 120-second buffer?
Every mortgage live transfer comes with a 120-second buffer. Your loan officer has 120 seconds to confirm the homeowner is interested and meets your quality filters. Calls ended within 120 seconds are not billed.
What happens if a transfer doesn't qualify?
End the call within the 120-second buffer and you are not charged. There are no return forms or disputes to file.
How much do mortgage live transfers cost?
You set your own bid per transfer by state on the Live Transfer Exchange and only pay for calls that pass the 120-second buffer. Price depends on loan type, your filters, your states and your hours.
Are mortgage live transfers exclusive?
Yes. Each homeowner is transferred to one buyer only.
Can I choose which states and hours I receive calls?
Yes. You choose your licensed states, the days and hours you take calls and your daily cap. Transfers can ring one loan officer or a hunt group.