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Q. How can Lender411.com help me increase my business?
A. Lender411.com is among the top destinations for mortgage shoppers on the web with thousands of potential borrowers visiting the site every day. As such, it can drive highly qualified traffic to your web site which could turn into leads and subsequently funded loans.

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Q. What services does Lender411.com offer to mortgage brokers and lenders?
A. Lender411 offers the following services:

• Paid Search Listing
• Rate Table Advertising
• Banner Advertising
• Text Ads
• Mortgage Leads

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Q. What services does Lender411.com offer to consumers?
A. Lender411 offers the following key features to the consumers:

• Find a Lender - Consumers answer questions about their specific loan situation, and are then matched up to the ideal lender.
• Search Rates - Consumers search our extensive database of competitive mortgage, refinance and equity rates that are uploaded daily by Lender411 participating lenders.
• Get a Loan - Consumers fill out a short 2-minute application and receive 4 competing offers from Lender411 participating lenders.
• Get Advice - Consumers visit our online mortgage forum to seek advice from seasoned mortgage professionals who subscribe to Lender411.

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Q. How does "Find a Lender" feature work?
A. One of the 4 major features of Lender411.com is "Find a Lender". Here is how it works: First we ask the consumer a handful of qualifying questions. Next, our search engine goes to work and displays, in order of relevance, the list of those mortgage companies that are most qualified and willing to do the specified consumer loan. In effect, we match the consumer with "the right lender". You can think of this feature as a drill-down search tool consumers use after they have done their initial search on Google, Yahoo or MSN.

Click on this link for an example of our Find a Lender.

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Q. How does "Search Rates" feature work?
A. The vast majority of visitors to Lender411.com are consumers who are shopping online for the best mortgage rates in their local area. As such, when they land on Lender411.com they are most likely to click on the "Search Rates" button. By doing so, consumers first answer a few questions about the type of interest rate/loan program they require and are then presented with a list of all rates that are uploaded by our participating lenders that match that criteria. Consumers can then create a "short list" and do a side-by-side comparison of all the loan parameters including the rate, APR, fees, points, lock days, etc...

Click on this link for an example of our Search Rates .

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Q. Is posting interest rates on Lender411.com recommended?
A. Yes, as mentioned above the most effective way to advertise your competitive mortgage rates is to have them listed on a mortgage portal such as Lender411.com.

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Q. How often should we update our rates?
A. The default "sort option" for the Rates page (the order in which the rates are actually displayed) is by "update date". This means the more recent the "update date" the higher you will appear on the list. As such, it is recommended for you to update your rates daily. Even if there are no changes to the actual rates, it is best to log in to your back-office and hit the update button daily to ensure higher listings.

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Q. How much do Lender411.com services cost?
A. For a list of the 3 packages offered, click on Package Pricing.

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Q. How does Lender411.com generate mortgage leads?
A. Lender411.com generates web site traffic and mortgage leads through prominent rankings on search engines as well as our affiliate network sites. We have optimized the site to generate leads for every major loan type in every state and major city in America.

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Q. What lead filters are available?
A. Leads sold by Lender411.com can be filtered by state and loan type. We currently offer leads for Purchase, Refinance, Home Equity and Debt Consolidation.

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Q. Can I change my lead filter criteria?
A. Yes. You can change your lead preferences any time by logging in your admin and adjusting your settings. All the changes are updated in real time.

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Q. I only work in certain areas within a state. Can I choose zip codes or cities?
A. No, unfortunately as of now, we only offer filtering down to the state level.

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Q. Is there a return policy for bad leads?
A. You may return leads for immediate credit within 3 days if any of the following conditions occur: prospect not shopping for a loan, wrong phone number, or false information has been provided. If you receive a bad lead please log in to your account and click on "Lead Return" and report the lead. We will research the reported bad lead and credit your account within 1-2 business days if approved. If a lead is determined to be bad you will be credited for the lead.

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Q. How much does the Pay-Per-Lead service cost?
A. There is no setup fee. You can actually make a deposit (minimum deposit is $250.00) and start receiving leads. The lead prices themselves are actually auction driven. As of now the prices are: $18 for purchase, $22 for refinance, and $15 for home equity. Certain states may carry premium costs.

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Q. After I sign up, how long does it take before I get leads?
A. Once signed up, we will instantly send you a user name and password. Or you can simply call us at 888-333-6628 and ask for a Lender411.com sales rep.

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Q. What forms of payment are accepted?
A. Currently, we are accepting MasterCard, Visa, and American Express.

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Q. Do I have to sign a service agreement?
A. Prior to using our services, there is a quick service agreement that you will need to agree to.

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Q. Do I have to sign a long term agreement?
A. We do not require long-term commitments. We stand by the quality of our services, and thus you may cancel your account at any time by providing a written notice.

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Q. How are the leads delivered?
A. Lender411.com continuously receives "real-time" leads to our database 24 hours a day, 7 days a week. To ensure the highest quality lead possible, we deliver leads to you via email usually within seconds of the request being submitted by the consumer. You can also retrieve them from your site admin by clicking "Leads."

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Q. How many times are the leads sold?
A. Fresh leads will be sold a maximum of 4 times.

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Q. How does Lender411.com determine which lender/brokers will get a lead?
A. Lender411.com has a sophisticated lead delivery algorithm, which lets companies target their leads and name their price. We use the criteria set by the Lenders/Brokers to determine which companies are eligible for a particular lead.

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Q. Can I purchase "Exclusive Leads?"
A. Currently we do not offer exclusive leads or leads sold only to one company/person.

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Q. Is there an "Overstock Lead Bin?"
A. There is an "Overstock Lead Bin" that allows you to cherry pick leads. The bin can be sorted by numerous filters and available for immediate purchase. Leads that have been submitted to Lender411.com and have been in our system for longer than 24 hours are available in the "Overstock Lead Bin."

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Q. Can I limit the number of leads I get per day?
A. Yes, you can specify a maximum amount of leads desired, in addition to temporarily stopping lead purchases at any time.

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Q. Do I get reports?
A. We provide a report that will show the full roster of leads you've received per application type. Additionally there is a "Transaction History" report that shows a running transaction record of all leads you have purchased or returned with the corresponding account balance.

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