What is a Pre-NOD (Mortgage Late)? Pre-NOD leads are property owners that are either 30 – 60 -90 or 120 days late on their mortgages. The data is reported on a monthly basis from the 3 credit bureaus (We get them every 3 weeks). This list is so awesome because the information is not public record (yet), which gives you a “leg-up” on your competition because you have access to information that is not otherwise available to the public.