Focus USA’s MortgagePlus database combines powerful attributes such as lender and loan information, lendable home equity, market value, Loan To Value (LTV) and household demographics into one comprehensive file. This file is perfect for mortgage companies and financial institutions looking to segment marketing prospects by specific mortgage attributes. In addition to mortgage information we can select individuals based on our Credit Score Index (CSI). CSI was created to identify FICO-like scores on the Focus USA database without the burden of making a pre-approved offer. CSI can be used to identify Prime and Sub-Prime prospects for specific offers.

Through a proprietary formula, we have developed a list of homeowners who are excellent candidates for home equity loans. These individuals have sufficient equity in their homes to allow them to refinance in order to consolidate debts, pay for their children's education, take a vacation, etc.

These are affluent, high income homeowners, some who have left city living behind but still commute to their high-paying jobs. These people enjoy the nonmetro "simple" life but still want upscale products (computers, trendy cars, best-selling books, records, CD's, magazines, hi-tech electronic gadgets . . .) and services.

This unique source of new homeowners offers a captive “ready to buy” audience. JustMoved: New Homeowners provides extremely deliverable names and accurate hard to find new address telephone numbers. Our broad coverage comes from an elite group of tested sources including our proprietary change of address data, telephone service providers, deed information and more. We can provide important information such as distance of move, previous address and changes in dwelling unit to identify the best prospects for your offer.

Over 13% of Black American households have incomes of $50,000 or more. With the rapid growth of African Americans moving to the suburbs over the past few years, there are more than 8 million who have made their home in suburban neighborhoods. Those living in suburban areas tend to be more professionally and educationally oriented and generally have more disposable income than blacks living in the metropolitan areas.