Live Alerts
How It Works
Why It Works
Pricing
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Life Event Lead Generation
🔔 Real-Time Filing Alerts90+ Day Head Start3 Trigger Types
The mortgage lead, before it’s a lead.
YPN USA monitors probate, divorce, and marriage filings the moment they’re recorded in your exclusive territory — putting your name in front of motivated borrowers 90+ days before their listing ever reaches the MLS.
Pick a trigger type to see the alert you’d receive and the loan angle it opens up.
Sample alert shown for illustration — your live feed shows real filings from your claimed territory.
How It Works
Public records become your pipeline
No cold calling public record offices, no manual courthouse searches — YPN USA does the monitoring and the first touch for you.
1
We monitor the filings
Probate, divorce, and marriage records are scanned continuously across your claimed ZIPs, the moment county offices record them.
2
You get an enriched alert
Each alert arrives with property, contact, and filing details already attached — no manual lookups needed before you reach out.
3
AI nurture takes over
Life-stage-aware messaging starts automatically, warming the lead with relevant content until they’re ready for your call.
Day 0 — You (YPN USA)
Filing recorded → instant alert
The moment a probate, divorce, or marriage record posts in your territory, you’re notified and nurture begins.
Day 1–14 — You (YPN USA)
Automated life-stage outreach
Relevant, low-pressure touches go out while the borrower is still deciding what’s next.
Day 30–90 — Everyone Else
Borrower starts shopping lenders
Other MLOs are still unaware anything happened — you’ve already had weeks of head start.
Day 90+ — Everyone Else
Property lists on the MLS
This is when the rest of the market finally finds out. You’ve had a 90+ day relationship head start.
Why It Works
Three life events, one steady pipeline
⚖️
Probate
Heirs settling an estate often need to refinance, cash out, or sell — and need a lender who understands the timeline.
💔
Divorce
Splitting a marital home means buyouts, refinances to remove a spouse from title, or two new purchase loans.
💍
Marriage
Newly combined households are prime candidates for a first joint purchase or consolidating two mortgages into one.
🔒
Zero competition
Because alerts are tied to your exclusively claimed territory, no other YPN USA loan officer sees the same filing.
90+
day average head start over the open MLS
Probate filingsEstate settlement leads
Divorce filingsRefi & buyout leads
Marriage filingsFirst-purchase leads
Head-start figure reflects the typical gap between a public filing and the related property appearing on the open MLS. Individual timelines vary by county and case.
Pricing
Every plan includes life-event alerts
Alerts scale with your claimed territory — more ZIPs means more filings routed to you.
Public county records — probate court filings, divorce filings, and marriage licenses — are monitored continuously and matched to your claimed territory.
No. Once your territory is claimed, alerts and the first round of AI nurture start automatically — you step in when the borrower is warm.
Alerts are based on public record information. As with any outreach, you’re responsible for following applicable state and federal solicitation rules for your license.
Alerts are scoped to territory you’ve claimed. Check ZIP availability to expand your coverage.
Stop finding out from the MLS
Get the alert everyone else wishes they had.
Claim your territory and life-event monitoring starts working for you immediately.
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var alertData = {
probate: {
title:’New Probate Filing — Fresno County’,
body:’Estate filing recorded for 1420 Willow Ave, Fresno, CA 93720. Personal representative appointed; property estimated value $412,000.’,
meta:[[‘Filed’,’2 hrs ago’],[‘Est. equity’,’$180K+’],[‘Heirs’,’2 identified’]],
angleLabel:’Loan Angle’,
angle:’Heirs settling the estate often need a cash-out refinance to buy out co-heirs, or a new purchase loan once the property sells.’
},
divorce: {
title:’New Divorce Filing — Fresno County’,
body:’Dissolution filed for a household at 88 Birchwood Ln, Clovis, CA 93611. Joint property listed in filing; response period begins.’,
meta:[[‘Filed’,’5 hrs ago’],[‘Property’,’Jointly held’],[‘Stage’,’Filing period’]],
angleLabel:’Loan Angle’,
angle:’One spouse frequently needs to refinance to remove the other from the note and title as part of the settlement — a natural refi conversation.’
},
marriage: {
title:’New Marriage License — Fresno County’,
body:’Marriage license issued to a couple currently renting near 93710. No property currently on record for either party.’,
meta:[[‘Filed’,’1 day ago’],[‘Property’,’None on record’],[‘Stage’,’Newlywed’]],
angleLabel:’Loan Angle’,
angle:’Newly combined household income often qualifies for a first joint purchase — an easy first-time-buyer conversation.’
}
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