Mortage leads can come straight to your salesforce People, millions of them, cruise the Web looking for a mortgage. Once they type in their basic contact data, you can buy mortgage leads from major sites like Yahoo! and MSN through real estate leads sellers.

I recommend:  Buy Internet mortgage leads straight from major Web sites using mortage leads providers like Juicy Leads, Live Lead Network, and NR Leads.

Real estate leads are good, live customers are better Increasingly, mortgage lead companies are using call centers to call up leads for you, cutting down on the number of useless calls.

I recommend:  The key to getting great real estate leads is often less speed than quality. Get pre-screen leads through companies like Double Positive, Leads to Clients, and E-Lead Spot.

Buy mortage leads lists for refinance deals First-time or 'hot' buyers are one market, but a huge number of mortgage leads are actually trying to refinance. They own a home, and just want the best deal on cheaper money.

I recommend:  Lists of mortgage holders can be purchased from database companies like Intelius, Selectory and Century List. Refinance mortgage lead generation is often a matter of connecting your sales force to these homeowners -- proven borrowers with collateral.

Cut the work on finding mortgage leads to a minimum If your bank or lender is working locally, it won't help to have leads from another city where your bank is less known. Better to sell directly into your own market first.

I recommend:  See the Business.com directory of real estate leads by U.S. state.