It's taken a lot of trial and error to generate leads.
I ran a net branch for 5 years and did Search Engine Optimization/websites on the side, so finally I just combined the two and created
NetSkrill.com allows consumers Refinance, Purchase, or Debt Consolidation Home Loans
Then I bought
BUY EXCLUSIVE 24 HOUR PURCHASE MORTGAGE LEADS - NETSKRILL.COM for brokers and Realtors to buy leads off of.
All of my leads are generated through organic search. I target first time home buyers and people looking to get into a home. I don't pay for banner ads, Adsense or anything like that. This keeps my costs to nothing and little overhead, so I don't need to charge $10-$80 a lead.
Organic searches work for me. Some people don't know Search Engine Optimization and can't afford to have someone do it for them. Adsense can work, but can be expensive. Google has tools for words that are searched for. Find searches that are searched for a lot with little competition. They also have software that does this. Another trick with tools like Adsense, target misspellings. It's around $8 a click or more for "refinance" but probably under $1 a click for "refinace".
I'm currently working on a new website to generate refi leads,
LoanHelp101.com - Where your home loan matters
Thanks for the question, I hope that helped some
Let me know how I can help -
Paul