How to reach delinquent borrowers before the NOD
list is published
The NOD list is compiled through courthouse records once the lender has served the notice of intent to foreclose on the property. In contrast, our pre NOD list gets you in front of distressed homeowners before the vast majority know that a homeowner is experiencing difficulty trying to make mortgage payments that they can’t afford.
Since the NOD list is public information, many real estate use the same stale, aggregated list of delinquent homeowners, and this translates into fierce competition. The borrowers on this public record list are absolutely barraged with solicitations from a host of other agents fighting for the same crowded mailbox space. Following their names being entered into the public domain as delinquent mortgagors, those people zone out the many offers they are inundated with.
Our data is “flagged” once a lender alerts one of the leading credit reporting agencies that a borrower has missed a loan payment. As partners of the credit bureaus, we give you an unprecedented view into the distressed homeowner’s situation prior at the first indicator of hardship, long before the bulk of your peers know that the homeowner is on the eve of foreclosure.
Want to access a pre NOD list that gives you an early edge?
At Homestead Data, we make it easy. A pre-foreclosure data specialist will go to the drawing board and tell you, by zip code, how many borrowers are 30, 60, 90 or 120 days past due on their mortgage payment. Call us at 1-866-490-3459 or fill out a form with your criteria to request a count of homeowners on our pre NOD list.
What format does the pre NOD list come in?
The data comes to you in the form of an Excel spreadsheet via e-mail and contains detailed contact, credit and mortgage information of the homeowner. To see a sample of what the list looks like, download a sample.