Mortgage · FHA
FHA leads are consumers looking at a government-insured loan, usually for a lower down payment or more flexible credit. Many are first-time buyers who need guidance as much as a rate.
Who they are
FHA borrowers are often first-time buyers, people rebuilding credit, or households with modest savings. FHA allows down payments as low as 3.5% for borrowers with a 580 or higher credit score, and it is more forgiving of past credit events and higher debt-to-income ratios than many conventional programs. That flexibility is why they filled out the form.
What they worry about is whether they will qualify at all. Many have been told no before, or assume they need 20% down. A loan officer who explains the program plainly, sets realistic expectations about mortgage insurance and closing costs, and gives a clear path to pre-approval stands out quickly.
FHA shoppers also fill out several forms and respond to whoever calls first, so speed matters as much as it does on purchase. Some FHA leads will be refinances, including streamline refinances for existing FHA borrowers, so confirm the purpose early in the call. Ask whether they already have a real estate agent, too; many first-time buyers don’t, and a good referral helps both of you.
Playbook
What the best-performing teams do from the moment the lead lands.
FHA shoppers respond to the first lender who makes them feel they can qualify. Call within minutes and open by asking about their goal, not their credit score. People who expect to be turned down hang up on scripts that sound like an interrogation.
Ask about income and how long they have had it, monthly debts, savings for the down payment and closing costs, and any recent credit events such as a bankruptcy or collections. Get permission to pull credit so you can replace the self-reported band with real numbers.
Walk through the upfront and annual mortgage insurance, closing costs, and whether seller credits or down payment assistance could help. Borrowers who understand the payment up front are far less likely to disappear after the pre-approval letter.
Some FHA leads need a few months to pay down a card or document income. Give them a specific plan, set reminders in your CRM, and check in on schedule. These borrowers remember who helped them get ready, and they often refer friends and family in the same situation.
Campaign setup
Recommended settings for buying FHA leads on Maple Leads.
Pricing
Hot 1
$110
Under 15 min
Exclusive · 1 buyer
Hot 2
$85
15 min – 30 min
Up to 2 buyers
Hot 3
$65
30 min – 45 min
Up to 3 buyers
Warm 1
$55
45 min – 2 h
Up to 3 buyers
Warm 2
$45
2 h – 4 h
Up to 3 buyers
Warm 3
$35
4 h – 8 h
Up to 3 buyers
Cold 1
$20
8 h – 12 h
Up to 5 buyers
Cold 2
$15
12 h – 18 h
Up to 5 buyers
Cold 3
$10
18 h – 24 h
Up to 5 buyers
Aged
$5
1–30 days
Up to 50 buyers
Price per FHA lead, set by its age when it's routed to you. Same ladder for every lead type.Full pricing
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FAQ
No. The lead means the consumer is interested in an FHA loan and shared basic details, including a self-reported credit band. Maple does not pull credit or verify income or employment. You confirm eligibility through your normal application, credit report and underwriting, the same as any other inquiry.
Yes. Campaigns can filter on the self-reported credit score band along with loan amount, property value, property type, occupancy, state and ZIP. Many FHA lenders set the filter to match their overlays. Remember the band is the consumer’s own estimate, so some borrowers will score higher or lower once you pull credit.
Many are, because FHA’s low down payment and flexible credit rules appeal to people buying their first home. You will also see repeat buyers with limited savings and homeowners asking about refinancing. Confirm the purpose and whether they have owned a home before early in the call.
FHA purchase shoppers behave like other purchase buyers: they fill out several forms and respond to whoever calls first. Hot tiers fit if you call within minutes. Warm and aged tiers can still work for borrowers on a longer timeline, especially with a good nurture plan, but expect more competition and lower contact rates.
That happens, and a borrower who doesn’t qualify is not a valid return reason. Returns cover issues like disconnected or wrong numbers, duplicates, fake information or out-of-area leads. A credit-readiness plan often turns these borrowers into closed loans a few months later.
Speed to lead
Speed to lead decides who wins mortgage and real estate leads. The research, why shoppers fill out multiple forms, and how to build a sub-5-minute response.
· 8 min read
Loan officer playbooks
A minute-0 to day-7 mortgage lead follow up cadence: how many times to call, what to say on attempt 1 vs 4, double dials, texts, email and CRM automation.
· 7 min read
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