Property and owner data for mortgage loan officers, one address at a time
You already have the address. It came from a borrower, a realtor partner, a past client or a lead you bought somewhere else. What you have never had is an immediate, mobile, complete picture of that one property and that one owner. SCOUTRE is that picture: estimated value, estimated equity, estimated mortgage balance, the lender of record, lien position and loan terms, across 160 million U.S. properties, nationwide. Coverage varies by county.
Two limits before anything else, because they decide whether this is your tool. SCOUTRE has no market-wide search — you add properties one at a time, then filter the leads you have saved, 30+ ways. And it is a prospecting tool: it decides who you have a conversation with, never what someone qualifies for.
An X-ray of one property and one owner
SCOUTRE takes a single U.S. address and returns an X-ray of the property behind it: owner name, the owner's mailing address held separately from the property address, whether the owner lives there, estimated value, estimated equity, estimated equity percentage, estimated mortgage balance, lender of record, lien position, loan type, original amount, loan term and maturity date. One screen, on the phone already in your pocket.
That is the gap. A loan origination system holds the loan you are already working. It does not tell you what is owed on the house down the street, when that loan matures, or how to reach the person who owns it. The county records all of it — across an assessor site, a recorder site and a tax site, none built for a phone.
There are two ways in. Type any U.S. address into Nationwide Property Search, from your desk or your car. Or, standing in front of the house, Property in Front uses GPS to identify the exact parcel with no address typed. Both land on the same record.
The whole mortgage picture on one screen
The financing detail a loan officer normally reconstructs from three county websites sits on the SCOUTRE property record already. Recorded loan history is the spine of it: what was borrowed, from whom, in what position, on what terms, and what has happened since. Coverage varies by county.
- Lender of record, lien position and loan type — who holds the paper, and where they sit in line.
- Original amount, loan term and maturity date — how big the loan was and when it comes due.
- Loan history — the recorded sequence, not only the latest instrument.
- Estimated mortgage balance, estimated equity and estimated equity percentage.
- Estimated value, with nearby comparable sales and price per square foot behind it.
- Down payment at last sale, plus sale history, last sale price and date.
- Deeds, taxes and assessments.
- Beds, baths, square footage, lot size, year built, zoning and land use, MLS status from participating boards, rental information and Street View.
Say the estimate word every time, because it matters more in your job than in anyone else's. Estimated value, estimated equity, estimated equity percentage and estimated mortgage balance are all derived from recorded loan history and assessed values. None is a statement of what is owed today. None substitutes for documentation.
[CONFIRM: does the “lender” field name the lender on the recorded instrument, or the current servicer where a loan has been sold? And are loan term and maturity date returned for junior liens as well as first position? A loan officer will ask both.]
Five moments where the address is all you have
Every one starts with an address you were already given, so none needs a market-wide query. SCOUTRE was built for people who already know which property they care about.
A referral comes in with an address
Before the first call you already know the estimated value, estimated equity, estimated mortgage balance, the lender of record, lien position, loan type, original amount, and the loan's term and maturity date. You open the conversation knowing roughly what you are looking at.
A past borrower's file
Add the property to your pipeline and keep it there. The equity picture on a house you financed four years ago is not the one you saw then, and a maturity date is a calendar entry rather than a guess — so you know when a cash-out or second-lien conversation is worth having.
A pre-approved buyer sends you the house they are bidding on
Estimated value, nearby comparable sales you can include or exclude, price per square foot, sale history, taxes and assessments — one screen, while they are still on the phone.
A realtor partner asks you about a property
You answer in the moment instead of tomorrow. Having the answer while the question is still live is most of what a referral relationship is built on.
A list you already hold from somewhere else
Bought leads, a spreadsheet from a partner. You add those addresses one at a time and work them properly — a real record each, with signals, contacts and a stage. There is no file import; you type them in.
Can I search for every homeowner with 40% equity in my county?
No. SCOUTRE has no market-wide search, and no such query exists in the product. You cannot ask it for every high-equity owner in a ZIP code or every loan maturing next year. If that is your model, this is the wrong tool.
The order of operations runs the other way. You add properties one at a time — typed in by address, or captured from the kerb — and once saved, 30+ filters work across the leads you have saved: equity, mortgage, ownership, value, property characteristics, signals, available contacts, photos and notes, mail activity, homeowner responses and next follow-up date. The filters filter your pipeline, not a county database.
That is a design choice, not a gap. The property is the unit, not the list, so every record in your pipeline is one you chose to put there.
11 signals worth a loan officer's attention
SCOUTRE flags 16 signals on a property record, derived from county records. Investors use them to find motivated sellers. For a loan officer, a subset of the same 16 tells you which conversation is worth having. Availability varies by property, county and source.
- High equity
- Free and clear — no recorded mortgage against the property
- Long-term owner
- Low down payment at last sale
- Absentee owner
- Out-of-state owner
- Recent transfer
- Tax lien
- Other liens
- Preforeclosure
- MLS activity
Read these as property facts, because that is what they are. A tax lien is recorded against a parcel; a preforeclosure filing is a public document. They belong in the column marked “is there a reason to reach out” — never in one marked “does this person qualify”.
Where does prospecting stop and the loan file begin?
The line is purpose, and it is worth stating plainly. SCOUTRE is a prospecting and property-intelligence tool: you use it to decide who is worth a conversation. It is not a loan origination system, not a pricing engine, and not part of the process that decides a loan. Nothing in it may be used to make or inform a decision about what any person qualifies for.
Property and skip-trace data is not consumer report data. SCOUTRE is not a consumer reporting agency, and what it returns is not a consumer report. Those purposes — credit, employment, insurance, housing and tenant screening — are governed by the Fair Credit Reporting Act and require an FCRA-compliant consumer reporting agency. The verified stack you already run makes those calls; this is not part of it and does not ask to be.
Every money figure on the record is an estimate. Estimated mortgage balance, estimated equity, estimated equity percentage and estimated value are derived from recorded loan history and assessed values — not statements of what is owed today, and not verifications of anything. That is why the word “estimated” sits beside each of them every time it appears here. They are a reason to pick up the phone. Documentation decides everything after that.
On outreach, you are the caller of record and you own your own compliance. Every skip trace SCOUTRE runs returns four screening layers at no extra cost: Federal DNC, State DNC, DMA suppression and known-litigator flags. Those flags are informational and are not a compliance scrub — they do not satisfy any scrubbing obligation you carry under the TCPA, the Telemarketing Sales Rule or a state statute, and an unflagged number is not a cleared number. None of this is legal advice, and your compliance department outranks this page.
In one sentence: SCOUTRE is what you use to decide who to have a conversation with, never what you use to decide what someone qualifies for. Inside that line it is simply a better-informed first call, and the line is easy to hold because the product was never built to cross it.
Skip trace the owner, then one tap from your own number
Once a property is saved, SCOUTRE traces the owner on request against 150M+ U.S. residential records in the skip-trace source. A trace returns multiple phone numbers classified wireless or landline, multiple email addresses and a mailing address, per owner; multiple owners are tabbed separately. Match rates sit in a 70–95% provider-reported range, input quality matters, and hit rates vary by property and county.
Traces run against live sources at the moment you ask, rather than being pulled from a list assembled months earlier and resold across subscribers. The record shows a Recent Data badge and a TRACED state. Results attach to your account's lead and are not compiled into lists sold to other subscribers. Tracing and re-tracing are unmetered, so re-checking an eight-month-old lead costs nothing.
Then the contact itself. Tap a phone number and your own dialer opens, so the call goes out from your real number and the person sees a familiar local caller ID. Tap an email address and your own email client opens with a template already filled in. Tap to text and your own messages app opens, same number. One tap, your client, your number — no sending domain to configure, no warm-up, no separate outreach bill.
Two things follow. SCOUTRE does not send email, texts or calls on your behalf — it hands the contact to your own app and stops. And it does not log them back onto the lead: you move the lead through the 11-stage pipeline yourself — New, Queued, Called, Texted, Contacted, Analyzing, Offer Sent, Negotiating, Under Contract, Closed, Dead. More in real estate skip tracing.
Mail the owner from the property record, from $0.50
Physical mail is the one thing SCOUTRE actually produces and sends. From a saved property you compose a postcard or a handwritten letter to the owner's recorded mailing address, and it goes to print. Postcards start from $0.50 and handwritten letters from $0.83, print and postage included, charged only on approval. Your first postcard is mailed free.
You control size, layout, photo, headline, message, handwriting style, ink colour, logo, headshot and contact details, and you can send a single piece or a six-touch campaign. Address verification and a printed proof are shown before you pay. Full walkthrough in direct mail postcards and letters.
Can you do this without paying for software?
Yes, one property at a time, and for a handful of addresses a month you probably should. Every U.S. county publishes ownership through its assessor, property appraiser, tax commissioner or board of assessors, and the recorder or register of deeds publishes the mortgages, deeds and liens behind it. Searching is free; a recorded copy costs a few dollars.
The bill is paid in time instead. Reconstructing one property's loan position by hand means an assessor site for the parcel, a recorder site for the mortgage instrument and its terms, and a tax site for liens — none usable on a phone between appointments, none returning a phone number. If you look up two properties a month, the county route is the right answer.
What does SCOUTRE not do for a loan officer?
Short list, worth reading before a trial rather than after. SCOUTRE has no market-wide search: you add properties one at a time, then filter the leads you have saved. It is not a loan origination system and not a pricing engine, and its data must never decide what a person qualifies for.
There is no API, no export, no CSV import, no integrations, no Zapier and no webhooks. It does not connect to your LOS or to an outside CRM. Leads are created inside the app, by address, and they stay there. If your requirement is a two-way sync with the system you already run, this is not that product.
Each account is a single user. No teams, no seats, no shared pipelines — a branch manager cannot see an originator's leads, and two originators cannot work one pipeline. Each person who wants it needs their own account.
SCOUTRE does not send email, texts or calls on your behalf, and does not log them back onto the lead. It holds no borrower file, no application and no verified financial documentation of any kind. Coverage varies by county, signal availability varies by property, and skip-trace hit rates vary by both.
What does it cost?
One plan, $79 a month, after a 3-day free trial. Cancel anytime. Properties saved, skip traces, re-traces, photos, voice notes and follow-ups are unlimited — no per-record meter runs while you look things up.
Physical mail is the only pay-per-use item: postcards from $0.50 and handwritten letters from $0.83, print and postage included, charged on approval, first postcard free. Calls and texts cost nothing extra because they run through your own phone. The Apple Watch app is included. Full breakdown on SCOUTRE pricing.
Frequently asked questions
Can a loan officer use SCOUTRE to decide whether someone qualifies for a loan?
No. SCOUTRE is not a consumer reporting agency and the data it returns is not a consumer report under the Fair Credit Reporting Act. It must not be used to make or inform a decision about credit, employment, insurance, housing or tenant screening. Use it to decide who is worth a conversation, never what someone qualifies for. This is not legal advice.
Can I search my whole market for homeowners with equity?
No. SCOUTRE has no market-wide search and no such query exists in the product. You add properties one at a time by address, and the 30+ filters then work on the leads you have saved — equity, mortgage, ownership, value, signals, available contacts and follow-up date.
Does SCOUTRE connect to my LOS or my CRM?
No. There is no API, no webhook, no Zapier connection, no CSV import and no export. SCOUTRE does not connect to a loan origination system or an outside CRM. Leads are created inside the app, one address at a time.
Is the estimated mortgage balance the amount actually owed today?
No. Estimated mortgage balance, estimated equity, estimated equity percentage and estimated value are estimates derived from recorded loan history and assessed values. None is a statement of what is owed today. Treat them as a reason to make a call, and let verified documentation decide everything after that.
Can my branch share one SCOUTRE account?
No. SCOUTRE is single user per account. There are no teams, no seats and no shared pipelines, so a branch manager cannot see an originator's leads. Each loan officer who wants it needs their own account at $79 a month.
Does SCOUTRE call, text or email borrowers on my behalf?
No. Tapping a phone number opens your own dialer and the call goes out from your real number. Tapping an email address opens your own email client with a template already filled in. One tap, your client, your number. Physical mail is the only thing SCOUTRE actually produces and sends.
How much of the country does the property data cover?
SCOUTRE covers 160 million U.S. properties at roughly 95% coverage. Coverage varies by county, and which fields come back depends on what that county records.
Know the property before the first call
3 days free, then $79 per month. Estimated value, estimated equity, estimated mortgage balance, lender of record and lien position on any of 160 million U.S. properties. Cancel anytime.
Start free