Target These High-Yield Refi Segments:
Rate-and-Term (The 6.8%+ Crowd): Over 1.3 million mortgages carry rates near 7%. These are your Mortgage Trigger Lead goldmines.
Cash-Out & Debt Consolidation: With home equity remaining at record highs, homeowners are using lower rates to roll high-interest credit card debt into their mortgages.
PMI Removal: Many who bought in 2024-2025 have seen enough appreciation to hit 20% equity. A refinance now removes the costly insurance while lowering the rate.