Recapture FAQ's

✔ Performance-based execution
✔ No upfront marketing spend
✔ Designed for scale & compliance

By optimizing technology, advanced data segmentation, and industry-leading marketing execution, Direct 41 can achieve economies of scale and cost efficiencies that we can pass on to our clients. Direct 41 structures the majority of our engagements on a lead based pay-for-performance model. For some lenders, we also consider a lower cost per lead and share in the loan sale revenue. Whatever structure works for your cash flow, we can usually find a solution. 

After leading Portfolio Marketing and Recapture for some of the largest servicers in the industry, Direct 41 saw the unfair Recapture advantages that large servicers have over Originators. Now, we want to give Brokers, Lenders, and Originators (the backbone of the mortgage industry) a chance to compete in the Recapture space. We are so confident in our ability to drive your results that we pay all the up-front costs. You pay nothing if we can't drive Recapture leads.   We literally "Put our money where our mouth is!"  

 Direct 41 only markets to your originated loans, so there is virtually no chance that your leads overlap with another client. Just in case, we also employ a 'cross-client' suppression process to ensure no two clients are targeting the same customers.  

 Direct 41 operates as a Marketing Agent of the data owner. What does that mean? In short, Direct 41 is NOT generating/referring leads or funded loans. We leverage our clients' internal data to execute complex, multi-channel marketing campaigns on their behalf - much like automated email platforms, creative agencies, mail houses, or data analytics companies. We combine all of those skillsets and add an industry-leading targeting strategy and AI to deliver better results than automated email platforms. It's your data - we just help you use it! 

Direct 41 uses an omnichannel approach. We leverage proprietary systems to link campaigns across Direct Mail, Email, Telemarketing, SMS, and Digital Media. This ensures the highest number of Recapture coverage for your loans.