VA Loan Leads, Delivered as Exclusive Live Transfers
A VA loan lead from Radian Leads is a veteran, service member or surviving spouse who asked about a VA mortgage, answered your qualification questions on a recorded call, said yes to speaking with a lender, and is being handed to your loan officer while they are still on the line. Each transfer is exclusive to one client. We never share or resell the same borrower.
You pay per billable transfer. A transfer is billable once the borrower and your loan officer have talked for 3 minutes or more (some programs use 90 seconds). Shorter calls are not billed. If the recording shows the borrower fell outside the criteria you agreed to, the transfer is replaced.
The borrower reaches you like this. A homeowner submits an opted-in form, online or by phone. Our qualification specialist calls back the same day where possible, always inside the consent window, from the same number and under the same company name every time. The specialist asks your criteria one question at a time, then transfers the call with a 15-second handoff in the borrower's own words.
VA campaign types we run
- VA cash-out refinance. A veteran homeowner who wants to replace the current loan, VA or not, with a VA loan for a larger amount and take the difference.
- VA IRRRL. A veteran already in a VA loan who wants a lower payment. The specialist confirms the current loan is VA; your loan officer handles everything from there.
- Conventional or FHA to VA. A veteran in a non-VA loan who wants to move into one.
- VA purchase. Ask us about availability when you request a quote. See purchase mortgage leads.
Who the VA borrower is
The borrower has told us, in their own words, that they served or are the surviving spouse of someone who did. Before anything else, the specialist runs the service probe, one open question at a time, with every answer on tape:
- Are you currently on active duty, or have you served in the past?
- Which branch?
- How did your service end, and what was the discharge?
- If the caller is a surviving spouse: were you married to a veteran, and are you asking about a loan in your own name?
The specialist records the answers and does not judge them. Whether a discharge, period of service or surviving-spouse situation qualifies is decided by your loan officer and the Certificate of Eligibility, not by us. Our specialist never tells a borrower they are eligible and never uses the words free, relief, stimulus or forgiveness. Radian Leads is not affiliated with the Department of Veterans Affairs, and the borrower hears that if they ask.
Beyond service, the borrower is on title, in a state you are licensed in, has a real reason to act, a 30-to-60-day horizon, and about 15 minutes now or a booked callback.
What we screen for on a VA campaign
Each row is a question the specialist asks out loud, with the answer on tape. You set the value.
| Criteria category | What the specialist confirms | Your value |
|---|---|---|
| Service | Active duty or prior service; branch; discharge; surviving spouse | Set by you |
| Owner and occupancy | On title; primary residence, or second homes and rentals too | Set by you |
| State | A state where you are licensed, with exclusions | Set by you |
| Property type | Single-family, condo, 2 to 4 units, manufactured on a permanent foundation; not under construction | Set by you |
| Existing liens | Current loan type (VA, FHA, conventional); no existing reverse mortgage unless allowed | Set by you |
| Value and equity | Value floor; combined LTV cap including new money; loan minimum | Set by you (a current program uses $150,000 and 80%) |
| Credit and history | Score floor; lookbacks for 30-day mortgage lates, bankruptcy, foreclosure | Set by you (620 and 24 months on a current program) |
| Purpose | Cash-out, IRRRL, conversion to VA, purchase | Set by you |
| Timing | 30-to-60-day horizon; about 15 minutes now, or a booked callback | Set by you |
| Consent | Clear yes to speaking with a lender, confirmed on the recording | Always required |
| Duplicates | Not sent to you inside 30 days; not already with your loan officer | Always applied |
Qualification is based on information consumers provide during screening. Our specialist is not a loan officer and never quotes rates, payments or approvals.
What your loan officer receives in the handoff
Your loan officer hears the handoff while the borrower is on the line. It takes about 15 seconds and repeats the borrower's answers in their own words: the service history as they described it, where the property is, what loan they have now, what they want to do and why, and the answers to your criteria questions. The borrower never repeats the basics.
We collect nothing sensitive on our call: no SSN, date of birth, email or bank details. The typical loan officer conversation runs about 15 minutes. Afterward, the dual-channel recording of our qualifying call sits in your dashboard at client.radianleads.com, scored against your criteria, with a replacement request next to it.
Published results
These are published figures, not guarantees. From our Q4 2026 KPI release, covered by AP News, Yahoo Finance, Benzinga and Business Insider, across our live mortgage transfers:
| Measure | Published figure |
|---|---|
| Transfer-to-application rate | 17.6% |
| Average borrower-to-loan-officer conversation | About 16 minutes (15:57) |
Our October 2026 cash-out release, which included VA cash-out among its programs, is summarized on the refinance leads page.
How to start
- Request a quote. During business hours (Monday to Friday, 9 a.m. to 5 p.m. Pacific) a representative reaches out within 5 minutes; otherwise the next business day.
- Agree the criteria: states, VA programs, consumer qualifications, transfer quantity and a planned delivery timeframe. A dedicated account manager owns the campaign.
- Buy transfers in a block of credits. Each billable transfer draws down one credit; replaced transfers return to your balance.
- Take calls. Every transfer is recorded and scored in your dashboard.
Pricing detail is on our mortgage leads pricing page.
Frequently asked questions
We price per billable transfer, not per lead. Transfers are priced between $110 and $140 per billable transfer, depending on loan program, states and criteria. Our transfers are priced between $110 and $140 per billable transfer by program; our published campaign math used $110, the bottom of that range. Third-party guides put mortgage live transfers at roughly $80 to $250 per qualified transfer; those are published ranges, not our pricing. Request a quote for a VA program.
Here. One transfer goes to one client and the borrower is never resold. See our exclusive mortgage leads page.
Eligibility is your loan officer's call. If the borrower's answers on our recording fall outside the service criteria you agreed to, for example a discharge type you excluded, you request a replacement in the dashboard and the credit returns to your balance.
Yes. Each is its own campaign with its own criteria, or both run under one set and the loan officer decides on the call.
Yes. See FHA mortgage leads. Many lenders run VA and FHA side by side so a non-veteran caller is not lost.
Ready to add VA transfers?
Tell us your states, VA programs and volume. We will come back with a quote.
Radian Leads is not a lender, not a broker, not a government agency and not affiliated with the VA. Loan terms come only from the licensed loan officer. We only work with licensed lenders, brokers and loan officers. See all mortgage leads programs or read what live transfer leads are.