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EML Group – Exclusive Mortgage Lead Generation Company

Replacement Policy :

You may return leads for immediate credit if any of the following conditions occur:

Bogus Lead. The prospect intentionally gave incorrect information (for example, John Doe, 123-456-7890, none@hotmail.com and the like) or is a child.

Duplicate Lead. The loan request is a duplicate submitted by the same borrower (or by immediate family members) with respect to the same property (the same loan product).

Wrong State. The property being inquired is not located in any of the states that you checked in your list of states.

The loan request does not meet your lead criteria.

Bad Phone Number

The prospect never spoke with our telemarketer and showed interest in Refinancing. (Sometimes spouses fill out our loan request form -- please ask prospects if someone in their household could have filled it out).

The borrower is not a property owner (unless in the case of 'Purchase' leads).

The loan amount is less than $10,000 (2nd mortgage leads).

The loan amount is $75,000 or less (1st mortgage leads).

These are the only acceptable reasons for the credit.

You generally cannot receive credit if the reason for the credit is as follows:

The borrower has very bad credit, no available equity or very low income.

The loan amount is $10,000 or more (2nd mortgage leads).

The loan amount is over $75,000 (1st mortgage leads).

The borrower is already working with another mortgage company (we recommend contacting the borrower as soon as you get the lead so you can be the first to earn their business).

The borrower is just a rate-shopper.

You left messages and the borrower did not return your phone calls.

The borrower did speak with our telemarketer and showed interest in refinancing, but is not interested anymore.

The property is located in the correct state, but the borrower lives in a state different than the actual property being inquired.

You didn't receive the loan request by e-mail because your computer (Internet mail server, Internet connection, email software, ISP, etc.) didn't work properly.

Please note:

Bad leads are returnable 07 days from the day you purchased the lead.

Leads are currently returnable via our web site only.

We monitor the ratio of lead returns to purchases and may terminate your participation if you return more than 25% of the total purchased leads. In case of cancellation of participation your account balance will be refunded.

We reserve the right to change this policy at any time and without notice.