Mortgage leads while they are still warm.
A borrower fills in a loan enquiry form on one of our local sites and consents to be contacted. It lands here seconds later — and every lead on this board shows you how old it is, how far along they are, and how many loan officers already have it. Three, maximum, ever.
$50 each. No sales call to look — the board below is the whole inventory.
How it works What $50 buys What the score means Refund policy
- Available now
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- Last 24 hours
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- ASAP, 24h
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- States live
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Filter by state, timeline, price
score 0–100, from two form answers: how far along they are (up to 40) and when they hope to close (up to 38). Loan type is a filter, not part of the score. Full breakdown
No leads match these filters.
Widen the state, timeline or price range — or leave the board open and wait. New leads arrive here the second a borrower submits one.
How this works
- A borrower asks to speak to a loan officer. They land on one of our city mortgage sites, answer what they are looking to do, when they hope to close, and how far along they are — then leave their address, name, cell and email, and tick a consent box.
- The lead appears on this board within seconds. City, ZIP, their answers, a score, and their contact details partly masked. Nothing is held back for a sales call — what you see is the whole lead minus the identifying half.
- You buy it for $50. Card payment on this page, no subscription, no minimum, no contract. The masking comes off the moment payment clears.
- You call them. The full record lands under My leads immediately, and by email too if you turn that on. Speed is the whole game — the other buyers got it at the same moment you did.
Three buyers. Not eight.
This is the part worth checking us on. Most lead sellers resell the same borrower until the phone stops ringing. We sell each lead to a maximum of three lenders, and the next sale is not a policy we intend to keep — it is impossible in the software. The counter and the sale are written inside one locked database transaction, so two loan officers checking out at the same second cannot both take the last slot.
- 3buyers maximum, per lead, ever
- $50flat, per buyer, per lead
- $150buys it exclusively — blocks the other two, only while all 3 slots are open
Every row shows how many slots are left before you click. When the third sells, the lead leaves the board. If someone takes the last slot while your card is being authorised, that line is dropped and you are not charged a cent for it.
What $50 actually gets you
The contact
- First and last name
- Cell phone number
- Email address
- Street address and ZIP
What they want
- Loan type — refinance, buy a home, take equity out or reverse mortgage
- Closing — as soon as possible, within a month, in a few months or just looking
- Stage — already have an offer or payoff figure; pre-approved and shopping; starting to look; or not sure where to start
- Anything they typed or said in their own words
The consent record
- The exact sentence they agreed to, word for word
- Timestamp, IP address and browser, recorded by our server — not sent by the page
- Which of our sites collected it
This is your evidence if a call is ever disputed.
How fast: the lead is on this board within seconds of the borrower pressing send, and the unmasked record is in your account the instant your payment clears — there is no review queue and no overnight batch. The row shows how long ago it arrived, so you can see for yourself.
Every lead carries this consent, which is what makes it legal to call:
By submitting, I agree to be contacted by up to 3 loan officers about my loan at the phone number and email above, including by autodialed calls and texts. Consent is not a condition of purchase. Message and data rates may apply.
Leads taken by phone agree to the spoken equivalent, and the recording reference is stored
with the lead.
What the score means
The number on the left of every row is 0–100 and it is arithmetic, not an opinion. Two form answers add together. Nothing else is in it.
Stage up to 40
- 40 Already have an offer or payoff figure
- 30 Pre-approved and shopping
- 26 Starting to look
- 8 Not sure where to start
Closing up to 38
- 38 As soon as possible
- 28 Within a month
- 16 In a few months
- 5 Just looking
Loan type not scored
- Refinance
- Buy a home
- Take equity out
- Reverse mortgage
Loan type does not move the number at all, on purpose: one you do not handle is not a worse lead, it is one to filter out above rather than read off the score.
"Provisional" under a score means it was worked out from those two answers alone and nothing has been checked against outside data yet. Two answers move the price: “As soon as possible” adds 50%, “Already have an offer or payoff figure” adds 50%, and both together are capped at double — never more. Every row shows its own price before you select it.
Refund policy
Request a refund on any lead within 5 business days of buying it. We refund to the card you paid with, and the slot goes back on the board. There is no restocking fee, no credit-only rule, and no limit on how many you can send back — if we are selling you leads you cannot use, we would rather know.
We refund, without argument
- The phone number is disconnected, not in service, or reaches someone who is not the person named on the lead.
- The email address bounces as undeliverable.
- The person says they never filled in a loan enquiry form. Every lead has a server-recorded consent trail; if it does not hold up, the lead was not ours to sell.
- It duplicates a lead you already bought from us.
- The loan type, timing, stage, city or ZIP on the row does not match what the borrower actually submitted.
We do not refund
- They did not pick up, or have not called you back yet.
- They changed their mind, or went with another lender — including one of the other two buyers. You are buying the introduction, not the loan.
- They were price shopping, or the loan turned out smaller than you hoped.
- The address is outside the area you work. The city, state and ZIP are on the row before you buy.
What we check before selling, and what we do not
Being straight about this now is cheaper for both of us than an argument later. We do check: the phone is a valid 10-digit US number and the email is a valid address; the consent is recorded by our server rather than sent by the page; and a submission repeating a phone or email we have seen in the last 30 days is marked a duplicate and never listed.
We do not check, before a lead goes on the board, that the phone will be answered, that the person qualifies for a loan, or that they will go ahead. No lead seller can, at the speed that makes a lead worth buying. That gap is exactly what the refund list above is for — it is priced in, and we would rather refund than pretend.
To request one: email russell@1hoursites.com
with the lead ID (it starts ld_ and is on every lead in your account) and one
line on which reason applies. We answer within one business day. Approved refunds are issued
through Stripe and usually reach your statement in 5–10 business days, which is their timing
rather than ours.