---
title: "Low-Cost Leads for Mortgage Protection Agents (Homeowner Field Pre-Filters)"
description: "The homeowner flag on every record is built for mortgage protection. Subscriptions start at $47/month with filters by state and zip."
url: https://unlockedcrm.ai/blog/low-cost-leads-for-mortgage-protection-agents
canonical: https://unlockedcrm.ai/blog/low-cost-leads-for-mortgage-protection-agents
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Low-Cost Leads for Mortgage Protection Agents (Homeowner Field Pre-Filters)

## TL;DR

Mortgage protection lives or dies on the homeowner field. Every unLocked record carries it, and the income-range field lets you match coverage amount to the household before the first dial.

Mortgage protection is the cleanest product to sell off aged data because the qualifier is binary — they own a home or they don't. Every unLocked record carries the homeowner flag plus zip code, which lets you match coverage to local home values automatically.

## The MP filter

- Homeowner = yes
- Age 30–65
- Income range $40k+
- Marital status married preferred

Filter by zip to focus on regions where the average home value matches your carrier's preferred face amounts.

## The opening script

> "Hi {first_name}, this is {agent}. I'm following up on the mortgage protection info you requested. Quick question — if you weren't around to make the payment, would the rest of the family be able to keep the house, or is that what you were trying to solve for?"

Two-option open. Either answer routes to the same product.

## Tier recommendation

Mortgage protection works on every tier. Solo producers usually start on Pro ($97), agencies move to Elite ($197) or Agency ($497) once they staff a dedicated dialer shift.
## What every record in the file includes

Every unLocked lead subscription ships the same 12 data points per record:

- **Full name** (first and last)
- **Phone number** (direct dial)
- **Email** (when available)
- **Full address** — street, city, state, zip
- **Age / date of birth**
- **Income range** (household bracket)
- **Net worth** (household estimate)
- **Marital status**
- **Children** (count in household)
- **Homeowner indicator**
- **Product line** the prospect originally inquired about
- **Vintage stamp** (exact age of the record)

You can filter the file by product line, state, zip, and age before download. The CSV maps 1:1 with unLocked CRM, so it imports straight into the dialer, SMS, email, and AI Voice OS workflows.

## The four subscription tiers

| Plan | Price | Vintage | Best for |
|---|---|---|---|
| Starter | $47/mo | 5–6 weeks aged | Solo agents testing the channel |
| Pro | $97/mo | 4–5 weeks aged | 1–3 producers |
| Elite | $197/mo | 2–3 weeks aged | 3–5 producers (most popular) |
| Agency | $497/mo | 1–2 weeks aged, 2,500 leads | 5–25 producer floors |

Same record schema across every tier — only the vintage and volume change.

## FAQ

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## Related

- https://unlockedcrm.ai/blog/low-cost-leads-for-final-expense-agents
- https://unlockedcrm.ai/blog/low-cost-leads-for-life-insurance-agents
- https://unlockedcrm.ai/blog/starter-vs-pro-vs-elite-vs-agency-plan-comparison

---

Source: [Low-Cost Leads for Mortgage Protection Agents (Homeowner Field Pre-Filters)](https://unlockedcrm.ai/blog/low-cost-leads-for-mortgage-protection-agents) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/low-cost-leads-for-mortgage-protection-agents.