Live · FL · TX · CA · GA · NC · AZ

High-Intent Insurance, Mortgage, Solar & Debt Leads
Delivered in Real Time

Organic-traffic leads across insurance, mortgage, solar, and debt — AI-qualified, TCPA-compliant, routed to buyers via live ping-tree auction.

TCPA-Compliant
Express written consent on every lead
Real-Time Delivery
Sub-second webhook post to your endpoint
AI-Qualified
Every lead scored 0–100 before routing
6-State Network
543 SEO pages across FL, TX, CA, GA, NC & AZ
Organic Intent
SEO traffic — consumers self-select
Why Buyers Choose Us

Leads That Actually Convert

We generate leads from organic search — not cold lists, pop-ups, or incentivized clicks. Intent is already there when the form submits.

Organic Search Traffic Only

Every lead originates from Google organic results — consumers actively searching for insurance, loans, solar, or debt help. No cold outbound, no incentivized traffic.

TCPA Consent on Every Lead

All lead forms include verbatim TCPA express written consent language. Buyers receive a full consent record including timestamp, source URL, and IP at point of submission.

Real-Time Ping-Tree Routing

Qualified leads are simultaneously pinged to all eligible buyers. The highest accepted bid wins. No daisy-chaining, no aged leads — winning buyers receive delivery within seconds.

AI Qualification Score

Claude AI evaluates each lead for completeness, intent signals, and vertical fit before routing. Buyers can set minimum score thresholds. Low-quality submissions are filtered before they reach your endpoint.

Active Verticals

Four Verticals, Six States, One Integration

All four verticals are live. Buyers can register for one or all — each vertical uses the same webhook format with a vertical field for routing.

Insurance

FL auto and home insurance shoppers comparing carriers. High purchase intent — consumers completing comparison searches before getting quotes.

Auto Insurance Home Insurance Bundle
CPL Range: $8 – $28
Insurance lead details →

Mortgage

FL homebuyers and refinance prospects actively comparing lenders. Includes FHA, conventional, jumbo, and rate-and-term refinance intent.

Purchase Refinance FHA
CPL Range: $35 – $85
Mortgage lead details →

Solar

FL homeowners researching solar installation, comparing installer quotes, and calculating savings. Ready-to-quote prospects in Jacksonville, Miami, Tampa, and Orlando.

Residential New Install Cost Quote
CPL Range: $45 – $120
Solar lead details →

Debt Relief

FL residents with $10K+ unsecured debt seeking settlement, consolidation, or counseling options. Pre-qualified for debt amount and seeking free consultations.

Settlement Consolidation Counseling
CPL Range: $18 – $55
Debt relief lead details →
CPL ranges reflect live auction prices. Buyers set a floor and cap; the actual price is determined by the highest accepted bid in each auction. No upfront commitment required to apply.
Lead Data Format

What Arrives at Your Webhook

Every accepted lead is delivered as a JSON POST to your endpoint within seconds of qualification. The payload includes all form fields plus our qualification metadata.

  • Full name, email, phone
  • Vertical + lead source page
  • AI qualification score (0–100)
  • Quality grade (A / B / C)
  • Timestamp + IP (consent proof)
  • Auction price paid

Delivery is via authenticated HTTPS POST. API keys are issued per buyer per vertical. Daily caps and floor/ceiling prices are configurable post-approval.

Full webhook spec & code samples →
The Pipeline

How Every Lead Gets Routed

From form submit to buyer delivery in under 10 seconds — fully automated, no human handoffs.

1

Consumer Submits

A consumer fills out a lead form on one of our 543 SEO pages with full TCPA consent capture.

2

AI Qualification

Claude AI scores the lead 0–100 and assigns a quality grade based on intent signals and vertical fit.

3

Live Auction

Qualified leads are pinged to all active buyers for that vertical. Each buyer responds with a bid or pass within their configured cap/floor.

4

Instant Delivery

The winning buyer receives the full lead payload via authenticated webhook POST in real time — no delays, no batch files.

Full guide: How the ping-tree works →
For Publishers & Affiliates

Send Us Your Traffic

Running SEO pages, PPC campaigns, or email lists targeting consumers across FL, TX, CA, GA, NC & AZ in our verticals? We'll buy your leads.

SEO & Content Publishers

If you run content pages or comparison sites targeting FL insurance, mortgage, solar, or debt audiences — submit your leads directly to our webhook endpoint at competitive CPLs.

PPC & Media Buyers

Running Google or Meta campaigns in insurance, mortgage, solar, or debt verticals? Partner with us as a lead source. We purchase high-quality leads on a cost-per-lead basis with next-day settlement.

Aggregators & Networks

Already connected to Boberdoo, LeadsPedia, or another ping tree? We can integrate as a buyer endpoint. Apply for a publisher API key through the form below.

Revenue Share Partners

Don't want to deal with lead monetization yourself? Drive traffic to our SEO pages via affiliate link. We'll pay revenue share on every qualified lead that converts from your traffic.

Full publisher program details → Apply as a Publisher →
Evaluating options?

See how Dreamy Leads compares to other Florida lead platforms.

Compare Networks →
Get API Access

Apply to Become a Buyer or Publisher

We review every application manually. Approved buyers receive an API key, webhook endpoint documentation, and configuration access within 1–2 business days.

There are no upfront fees to apply. Buyers set their own floor price, max CPL, and daily lead cap at onboarding.

  • No setup fees or monthly minimums
  • Set your own bid floor and daily cap
  • Filter by city, ZIP, or quality score
  • Live reporting via API
  • Net-7 billing after approval
  • Dedicated support during onboarding

Buyer / Publisher Application

No setup fees  ·  Reviewed within 48 hours  ·  Go live in 1–2 business days

Application Received

We'll review your application and follow up at your work email within 1–2 business days. Questions? Email Dreamy@dreamyleads.com.

Compliance

Built for the Lead Industry's Standards

Every lead in our network is generated with full regulatory compliance. Buyers receive leads they can act on immediately without compliance risk.

TCPA Compliance

All lead forms include verbatim TCPA express written consent language permitting contact by phone, text, and email — including automated systems. Timestamp, source URL, and IP are recorded at submission.

FTC Telemarketing Sales Rule

No upfront fees are collected before delivering results. Our debt vertical partners are required to comply with the FTC TSR prohibition on advance fee collection. All partners are reviewed before approval.

Florida Consumer Law

Our lead generation and distribution practices comply with Florida's Unfair or Deceptive Trade Practices Act (FDUTPA) and applicable financial services marketing regulations.

Data Handling

Lead data is transmitted over TLS 1.3. We retain consumer data only as long as required by applicable law. Buyers receive data under a data processing agreement limiting re-use to the purpose disclosed at consent.

Do Not Call Registry

TCPA consent language on all forms explicitly acknowledges the Do Not Call registry per federal requirements. Buyers are responsible for honoring opt-out requests promptly.

FAQ

Buyer & Publisher Questions

How quickly do I receive leads after approval?
Once approved, we'll provision your API key, configure your webhook endpoint, and run a test payload. Most buyers go live within 1–2 business days of approval. You'll receive complete integration documentation by email.
Can I set a daily lead cap per vertical?
Yes. Every buyer account includes configurable daily and monthly caps per vertical. Caps reset at midnight EST. You can update caps at any time by contacting your account contact, with self-service cap management coming in a future update.
What happens if a lead doesn't meet my criteria?
You only pay for leads you accept. During the ping-tree auction, your endpoint receives a ping with lead metadata. You respond with a bid or a pass. If you pass, or if the lead doesn't hit your floor price, it routes to the next buyer. You're never charged for leads you don't accept.
How are prices determined?
Each lead runs a real-time auction among all active buyers for that vertical. Buyers set a floor price (minimum they'll pay) and a max CPL (ceiling). The auction awards the lead to the highest accepted bid. You only pay your bid price, not a fixed rate — so bidding your true max does not mean you always pay your max.
Are these leads exclusive?
Yes. Each lead is sold to exactly one buyer — the winning bidder in the auction. We do not sell shared leads. Once a buyer wins a lead and it is delivered, no other buyer receives that lead's contact information.
What states do you cover?
Currently Florida-exclusive across Jacksonville, Miami, Tampa, and Orlando metros. We target specific ZIP codes within each market. National expansion is planned for Q3 2026 — buyers can request to be notified when new states launch.
I'm a publisher. How do I send leads to you?
Apply through the form above and select "Lead Publisher" as your partner type. After approval, you'll receive a publisher API key and a webhook endpoint URL. POST your leads to our endpoint in our standard format and receive real-time accept/reject responses with a bid price.
What's your billing cycle?
Buyers are invoiced on a Net-7 basis — payment is due 7 days after each weekly invoice. We accept ACH, wire, and major credit cards. A credit card authorization hold may be required for new accounts during the first 30 days.

Ready to Start Receiving Leads?

Apply now — no setup fees, no minimums. Go live in 1–2 business days.

Apply for API Access →