If you are a loan officer or mortgage broker, and you are on the market for mortgage leads, you may want to consider buying them in real time.

Real time leads or fresh leads are for loan officers looking for quality in a lead, as opposed to buying quantity, otherwise known as buying in bulk.

If you are buying your leads in bulk, you are undoubtedly purchasing very old leads that have been recycled from lead company to lead company several times over.

Real time leads arrive at your door step within seconds of the prospect filling out the on line form and hitting the submit button.

Here is how it works:

1. A potential customer goes onto a website owned and operated by the lead company.

2. The potential customer fills out the on line form specific to what they are looking for in the way of loan type, loan amount, ltv, etc.

3. The customer than hits the submit button.

4. The on line form, now considered a lead, comes to the lead company web site.

5. The lead finds a matching filter previously set up by a loan officer.

6. Once the lead finds a matching filter, it is than delivered by way of e-mail to the loan officer within seconds of its arrival.

If you are sick and tired of hearing I filled out that form months ago, or I just closed my loan two weeks ago, than real time leads may be the way for you to go.

But before you go spending your hard earned money, be sure to research the lead company you are considering. Call and speak with someone in customer service, find out exactly how their system works. The quicker you can get your hands on the lead, the better your chances of closing the loan.

If you are a loan officer or a mortgage broker and you are looking for a new and innovative way to market yourself and your products, you may want to consider using a personal blog.

You do not have to be a wizard with a computer, or have a background in rocket science to start up a blog.

The internet is loaded with blogging sites that allow you to set up a blogging site, literally within five minutes.

These sites are completely free and allow for you to pick your own web address and template. All you have to do is supply the postings, and allow for others to post their thoughts as well.

They will also allow for you to download a picture of yourself which is perfect for allowing your customers to identify with you, by putting a face with your name.

You can also add your blog address to your signature when you e-mail people. They can click on it and get a feel for you, and the benefits your products and services can offer them.

Dont forget about adding your blog site to your business cards on your next order.

The next time you are talking to someone, wether it is in person or on the phone, you can end the conversation by inviting them to visit your blog.

Blogging is a great way to market yourself and the benefits of your products. So make sure your blog is filled with interesting and beneficial topics for your customer.

For loan officers and mortgage brokers on the market for mortgage leads, the quality of the lead should be a top priority when determining which company to invest in.

For this reason, before you invest, be sure to do a little research. After reading about the lead company on their web site, be sure to call and speak with someone in customer service.

The best way to find out about the quality of the leads before you purchase them is to ask some specific questions.

Ask where they obtain their leads from.

The best answer you can get to this question is that they own and operate the web sites where customers visit and fill out the on line form.

If a lead company is obtaining their leads from a third party vendor and than reselling them to loan officers at a profit, than they are basically recycling leads. Better put, they are selling junk.

And you never know how many times that third party vendor sold those leads to other lead providers.

Another question to ask is about their delivery method.

The most efficient way to have leads delivered is by way of e-mail.

Especially if you are purchasing real time leads, the lead will literally end up in your mail box within seconds of the customer hitting the submit button on the on-line form.

To sum it all up, a good quality lead is one that is fresh, not dated, or recycled.

And remember, you work hard for your money, so make sure you are getting what you pay for.