Is Now The Time To Buy Leads?

Now is an especially strong time to buy mortgage leads for several interconnected reasons tied to market dynamics, consumer behavior, and competitive positioning.

High Refinance & Purchase Demand

Rate Sensitivity: Mortgage rates have been volatile—when they dip (even slightly), homeowners and buyers rush to check opportunities. That spike in intent makes purchased leads more valuable because you’re catching consumers at the moment they’re motivated. There is seasonal momentum right now with late summer and early fall are traditionally high-activity seasons in real estate, as families want to close before the holidays and buyers try to lock in rates.

Big Lenders Are Pulling Back

Some larger lenders are tightening marketing budgets due to rate uncertainty. That means less competition for the same pool of borrowers. If you’re still aggressively buying and working leads, you can capture market share your competitors are leaving behind.

Consumer Awareness is Peaking

News cycles about rates, inflation, and affordability keep mortgages top-of-mind for homeowners and buyers. Even consumers who weren’t planning to move or refinance are shopping around more actively, driving up inbound inquiries (which become leads you can purchase).

By investing in mortgage leads now, you build a pipeline of borrowers who may not close today but will close when conditions improve. This creates a future hedge—you’ve already captured their contact info and interest, while your competitors will be starting cold later.