Salesgenie provides a wide range of mortgage filters that allow you to refine your consumer search based on property financing details. These filters allow you to identify homeowners by mortgage presence, loan type, interest rates, and more.

Available mortgage filters

Mortgage Present
This is the simplest filter. Select this option if you only want to identify whether a household has a mortgage, without needing details about loan type, amount, or payment history.

Mortgage Loan Type
You can refine your search by selecting specific mortgage loan types. To do so, move the options you want from the Available column into the Selected column.

The loan types include:

• Assumption: The original mortgage was assumed by a new owner
• Building/Construction Loan: Mortgage involving a builder
• Cash: Indicates the home was paid for in cash, with no mortgage
• Credit Line/Equity: A line of equity backed by the home
• FHA (Federal Housing Administration): A federally issued residential mortgage
• New Conventional: A standard primary mortgage
• Private Party: Financing provided by an individual rather than a financial institution
• Refinance: Indicates a refinanced mortgage
• Seller Take Back: A second mortgage offered by a seller to help the buyer, in addition to the primary mortgage
• Stand-Alone Second: An additional mortgage beyond the primary loan
• VA (Veterans Administration): Federal mortgage program for U.S. veterans

Interest Rate
This filter allows you to search based on the mortgage interest rate. Rates are based on county records at the time of purchase, with modeled data used when no record is available. Refinancing is not reflected here.

To search by interest rate:

• Enter a range in the “From” and “To” fields (minimum 3%, maximum 20%)

To search for one exact rate

• Enter the same number in both fields

Mortgage Amount
This filter estimates the original mortgage loan amount used to purchase the home.

To search by mortgage amount, select from ranges in:

• $25,000 increments up to $99,999
• $50,000 increments up to $199,999
• $100,000 increments up to $1,000,000+

Mortgage Expense
This filter estimates the monthly mortgage payment (not including taxes or fees).

To search by mortgage expense:

• Select from ranges in $250 increments, starting at $100–$499 and going up to $2,000+

Sale Date
This refers to the date when the home was sold.

To search by this criterion:

• Enter dates in the “From” and “To” fields, starting with 1975 as the earliest year

To find an exact sale date:

• Enter the same value in both fields

Mortgage Sale Month
This filter lets you search by the month the mortgage originated, based on the month of the home sale.

To search by this criterion:

• Select one or more months from the Available column to move them into your search

Finance Type
This filter helps you identify the type of mortgage financing.

The options include:

• Adjustable: Interest rate can change
• Fixed: Interest rate remains constant
• Unknown: Type of financing is not identified

Loan to Value (LTV)
This filter measures the ratio of the mortgage loan to the property’s value. For example, a $100,000 mortgage on a $100,000 home would equal a 100% LTV.

To search by LTV:

• Choose ranges in 10% increments up to 150%+ from the Available column and move them into the Selected column