Know which debt consolidation leads are worth a pre-approval call
Ask every debt consolidation lead about their home equity range, mortgage payment status, and the debts they want to pay off, then collect a current mortgage statement before the file ever reaches your CRM.
The exact intake your debt consolidation using home equity leads complete
This is the real 7-question guided intake for Debt Consolidation Using Home Equity — the same flow your customers finish before you ever pick up the phone.
What a qualified debt consolidation using home equity lead should tell you
A home equity loan or HELOC used to pay off higher-interest debts—credit cards, personal loans, medical bills—into a single payment, qualified against home ownership, equity range, mortgage standing, title co-owners, and credit.
- Own Property Would Use
- Debts Consolidate
- How Much Equity Believe
- Current On Existing Mortgage
- All Owners On Property
- Soon Complete This Loan
- Have General Sense Current
The questions your team needs answered
Every debt consolidation using home equity intake asks these — and why each one matters.
| Question | Why it matters |
|---|---|
| Do you currently own the property you would use for this loan? | Without property ownership there's no equity to lend against, so this answer sets a hard ceiling on how the lead can score. |
| What type of debts are you looking to consolidate? | The mix of debts selected shapes which consolidation loan program and payoff amount will actually fit the borrower. |
| Roughly how much equity do you believe you have in your home? | Equity range directly caps the available loan amount and combined loan-to-value your team can offer. |
| Are you current on your existing mortgage payments? | Current mortgage standing signals repayment risk and underwriting complexity before the file is ever worked. |
| Are all owners on the property title available to apply with you? | Home equity applications require every owner on title to apply, so a missing co-owner changes how the file needs to be handled. |
| How soon are you hoping to complete this loan? | Timeline separates borrowers ready to move now from those just exploring, which affects how quickly a pre-approval call should be scheduled. |
| Do you have a general sense of your current credit standing? | Credit standing affects likely rate tier and approval odds, so it's weighted alongside equity in the overall score. |
How Cliont scores debt consolidation using home equity leads
Every answer is weighted automatically — no manual review required.
Value signals
- Own Property Would Use: yes
- $20,000 to $75,000
- Over $75,000
- Not sure
- Current On Existing Mortgage: yes
- Excellent or good
See the lead your team receives
Debt Consolidation Lead
From first click to qualified lead
Follow prospects and clients through one smooth, guided flow.
They land & meet you
Your video greeting plays instantly — a real face instead of a blank form.
They explain the project
Smart questions adapt to their project and capture the full scope.
They share the details
The scope and any documents come attached, so you can scope before the first call.
You get a ready lead
Scored and qualified — waiting for you to win it.
Built for debt consolidation using home equity workflows
| Cliont capability | Debt Consolidation Using Home Equity application |
|---|---|
| Weighted scoring engine | Combines equity range, mortgage payment status, and credit standing into one score so higher-equity, current-on-mortgage borrowers surface above riskier or exploratory inquiries. |
| Multi-choice capture | Records exactly which debt types (credit cards, medical bills, auto loans, business debt) a borrower wants to consolidate, so loan officers can match the right product before calling. |
| Conditional flagging | Flags files where not all titleholders are available to apply, since home equity applications require every owner on title to co-sign. |
| Document collection | Requests a current mortgage statement tied to the payment-status question, giving underwriting a head start on verifying standing before the pre-approval call. |
Common debt consolidation using home equity lead scenarios
High-equity, strong-credit borrower
Owns the home outright, reports over $75,000 in equity, is current on the mortgage, and has excellent credit—scores as a high-priority file ready for a pre-approval call.
Equity uncertain, just exploring
Owns the home but selects 'Not sure' on equity and 'Just exploring options' on timeline—still qualifies as an owner but signals more nurturing before a call is booked.
Behind on mortgage payments
Owns the property but answers no to being current on the existing mortgage, which lowers the score and flags the file for manual review before it's worked as a live deal.
Co-borrower not yet on board
Answers no to all titleholders being available to apply, meaning the loan can't move forward until the co-owner is looped in—handled differently than a single-owner file.
Non-owner inquiry
Answers no to currently owning the property, which caps the score low since there's no home equity to lend against yet.
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- Digital estimates & e-signatures
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- Charged only for submitted leads
More home equity lending intake templates
Debt Consolidation Using Home Equity lead-intake FAQs
How does the intake handle borrowers who don't own their home yet?
Ownership is a yes/no question with a large weight gap between answers, so a non-owner lead scores low automatically and won't get treated like a ready-to-close file.
Can the form give my team a sense of loan size before the call?
The equity-range question combined with credit standing gives a rough read on likely loan size and rate tier, so your team can prep talking points before the pre-approval call.
What happens if a borrower is behind on their mortgage?
That answer carries a much lower weight than 'current,' which lowers the score but doesn't disqualify the lead outright—your team can review the file before deciding how to proceed.
Does the intake check whether all property owners are applying together?
Yes, borrowers are asked whether every titleholder is available to apply, since home equity lending requires all owners on title to be part of the application.
What debt types show up on the intake?
Borrowers select from credit cards, personal loans, medical bills, auto loans, business debt, or other, so your team knows what's being consolidated before the first conversation.
Does the borrower's timeline change how the lead is routed?
Timeline is captured separately from the scoring weights, letting you distinguish a borrower who wants to close within 1-3 months from one who's just exploring options.
Turn debt consolidation using home equity visitors into qualified clients
Give every debt consolidation using home equity visitor a guided intake instead of a dead contact form — and get a scored, qualified lead before you take the first call.