Amanda Agnew, NMLS 269533 Hometrust Mortgage Company NMLS 149932

23/04/2026

Did you know that Hometrust has a float down option for you or your buyer? Reach out to us today and get the details! It is a great way to ease the stress on a volatile market.

22/07/2024

08/09/2023

What are Trigger Leads? How do you stop the unsolicited sales calls?

Below is an article that I recommend everyone read in order to educate yourself and help your buyers.

The Truth About Trigger Leads
by Mindy Leisure

The first step in obtaining a mortgage is always going through the application process. You found the broker you want to use and fill out all the paperwork. Then you go home to find half a dozen voicemails and emails from different brokers claiming they can offer you a better deal. You haven’t applied with any of them but they all seem to have all your personal information. When you’ve only filled out paperwork with one broker, how do so many more suddenly seem to know you are looking for a mortgage loan?

When you apply for a mortgage, your broker will pull your credit report. This triggers an inquiry with the three credit bureaus, Experian, Trans Union and Equifax. The credit bureaus then turn around and sell your information to other brokers who have signed up for “trigger leads.” And it is unfortunately not against the law for them to do this.

There are dozens of companies that offer trigger leads. A broker simply gives them the filters they are looking for and as soon as a mortgage is applied for and credit is pulled, any information that fits those parameters becomes a trigger lead. The filters they can use vary greatly. Most lead companies start by filtering with credit score and zip code. Most brokers are looking for credit scores in a certain range. But other criteria can be added, such as no late payments, loan to value, loan amount, etc. When a broker runs a credit report, they are pulling credit through a third party vendor as required. If a borrower is receiving phone calls or emails from other brokers once their credit is pulled, it’s not the third party credit reporting agency that’s selling their information; it’s the actual credit bureaus.

There are ways to try to prevent this from happening:

Optoutprescreen.com, registering here will stop the bureaus from selling your personal information so you will not appear on any trigger list for five years. The trick is this needs to be done at least 5 days before the application process and the credit is pulled.

https://www.advcredit.com/trigger-leads/

26/07/2022

Ready to take the leap and buy your home? Whether you’re planning for the near future or the distant future, there are some essential details to consider before jumping in! https://www.hometrust.com/blog/getting-ready-to-buy-a-retirement-home-things-to-consider/

20/07/2022

Looking to ? Here are the top reasons do:

• Lower your monthly mortgage payment
• Get rid of your mortgage insurance (PMI)
• Pay off your mortgage faster
• Lock in on a low, fixed-rate loan
• Take cash out of your home equity

Contact us if you are interested in your . https://www.hometrust.com/contact-us/

15/07/2022

Do you run your own business? If you are self-employed, a may be your key to . Reach out to us to learn more. https://www.hometrust.com/contact-us/

14/07/2022

Concerned about making your payment on time? Here are some solutions to help you avoid a . https://www.hometrust.com/mortgage-basics/foreclosure/

08/07/2022

Our home office is in Houston, TX, but we have 16 branches across 4 states in the U.S. Visit us at one of our many locations! https://www.hometrust.com/branches/

07/07/2022

Hey first-time homebuyers, wondering how much you need to save for closing costs? https://www.hometrust.com/mortgage-basics/closing-costs/

01/07/2022

Happy Independence Day!