Construction-to-permanent loan leads
Future homeowners with land, a builder or a plan, who want one loan and one closing.
Construction-to-permanent loan leads are people who have decided to build, and the financing decision is next. A one-time close loan covers the build and then converts to a regular mortgage, so the borrower closes once. We reach people in that planning window and send each inquiry to one loan officer, with land and builder details attached.
- Land ownership and builder status captured
- Build timeline and budget range noted
- Exclusive to you and never resold
Watch it in 39 seconds
A 39-second explainer from the Amplify Leads team: construction-to-permanent leads: build once, close once.
What construction-to-permanent leads look like when they reach you
Who
Families building a primary home, people with land who are ready to start, and buyers working with a custom or production builder.
What they have
Whether they own the lot, whether a builder is chosen, plans in hand or not, and a rough budget.
What they want
One loan and one closing that covers the build and then turns into a permanent mortgage.
Construction lending depends on the builder, plans, appraisal and draw process. Confirm that your lender approves the builders your leads use.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: land loan leads, renovation loan leads, and purchase leads. Or see mortgage leads by state.
Who builds instead of buying, and what do they need?
Some want a home that does not exist on the market: a certain layout, acreage, or a spot near family. Others inherited land or bought a lot years ago and are finally ready. Some work with a production builder in a new subdivision, and some hire a custom builder for a single project. The common thread is that they are making a big decision and are nervous about financing in two stages. A single loan that carries them from dirt to move-in is the simplest story you can tell.
How do you spot a borrower who is ready to build?
Ready borrowers can answer three things: where, with whom, and how much. They have land or a purchase under contract, a builder they are talking to, and a budget that matches the plans. Credit and down payment still matter, and because the lender is funding a house that does not exist yet, the standards often run tighter. A weak inquiry is someone who loves a design on Pinterest but has no lot, no builder and no savings. Nurture them, but do not rush the call.
What does the construction form ask?
The form looks for readiness, not dreams. Anyone can type a wish list, so we ask the questions that only a person with a real plan can answer quickly.
- Do you own the land, or are you buying it?
- Have you chosen a builder?
- Do you have plans and a budget range?
- When do you hope to break ground?
- What is your approximate credit range?
- Is this your primary residence?
How should ads and landing pages speak to future builders?
With the one-closing idea up front: build the home and finance it once. Audiences are people interested in new construction, custom homes and land, within Meta's limits for housing and credit ads, which bar certain targeting. Facebook and Instagram handle the visual side well, since house plans and builds attract attention. Google reaches people searching for construction loans, fewer but further along. The landing page promises a conversation about financing a build, not an approval or a rate. Follow up the same business day, and expect a longer sales cycle than a standard purchase.
What compliance issues are specific to construction lending?
Construction loans carry their own disclosure and draw requirements, and a one-time close loan converts under terms fixed at the start. Make sure ads do not suggest that a build is risk free or that approval is certain. If an ad names a rate or payment, Regulation Z trigger terms can apply. Calls and texts need TCPA consent. Meta runs housing and credit ads in a special category with limited targeting. Some states have specific rules for construction lending and contractor relationships, so check with your compliance contact before launching.
Before you reach out
What does one-time close mean?
It means a single application and a single closing for both the construction phase and the permanent mortgage. The borrower does not need to qualify and close a second time when the home is finished, though terms are set at the start.
Do borrowers need a builder already?
Usually the lender needs to approve the builder before closing, so the form asks whether one is chosen. Leads without a builder are earlier in the process and call for more guidance.
Can you cover owner-builders?
We can ask the question on the form. Many lenders do not offer owner-builder construction loans, so only target that group if your program allows it.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.