Jumbo loan leads
Borrowers who need more than a conforming loan, screened for assets before they reach you.
Jumbo loan leads are scarce for a good reason: the pool of borrowers who need a mortgage above the conforming limit is small, and a casual lead is useless to you. A jumbo file lives on reserves, documented income and a clean story. Our campaigns reach affluent buyers and homeowners in your market, and the form asks about price, assets and employment so you see the shape of the file first.
- Purchase price or balance and assets captured
- Income type and reserves on the form
- Exclusive to one loan officer
Watch it in 40 seconds
A 40-second explainer from the Amplify Leads team: what makes a jumbo loan lead worth a call.
What jumbo loan leads look like when they reach you
Who
Buyers of higher-priced homes, executives with variable pay, business owners and homeowners refinancing a large balance.
What they want
A loan large enough for the property with a sensible down payment, a competitive structure and a lender who does not flinch at the file.
When
Often tied to a specific property or a relocation, so timelines are tight and a slow reply loses the borrower.
The conforming limit changes yearly and varies by county, so check the current figures before you set the campaign geography.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: conventional loan leads, purchase leads, and non-QM leads. Or see mortgage leads by state.
The buyer on the other end of a jumbo ask
A jumbo borrower is rarely a casual shopper. They are physicians, tech and finance employees with stock compensation, business owners and families moving up in expensive markets. Many already have a banker and a Realtor, and some are comfortable sending a loan officer a list of questions before ever speaking. They want a lender who understands asset-based underwriting, can discuss reserves and does not treat a large loan as a different planet. That is who our ads are written to speak to.
A good jumbo lead is a documented one
The test is simple: can this person document the money? A good jumbo inquiry states a realistic price, a down payment that is a real percentage and some idea of reserves. Income that is salaried or clearly business-based is easier than a pile of K-1s with no explanation. The wasted call is the one that starts with 'I just want to see what I could get' on a figure that has no assets behind it. We put assets and employment on the form to keep the second kind out of your queue.
What the jumbo form asks
The questions are short and direct, because affluent borrowers expect to be treated like adults. Nothing on the form asks for a Social Security number or account details.
- What is the estimated purchase price, or your current mortgage balance?
- How much are you putting down, or how much equity do you hold?
- Roughly how much do you hold in liquid assets?
- Are you salaried, self-employed or paid partly in stock?
- Which state and city is the property in?
- When do you hope to close?
Jumbo ads and the landing flow
The angle is not a rate, it is a lender who knows how to handle a bigger loan. Audiences are built around the markets and interest signals that fit higher-priced homes, within the limits Meta allows for housing ads. Facebook and Instagram reach buyers early in the search, while Google captures people looking for a jumbo lender by name. The landing page promises a direct conversation with one loan officer and keeps the tone sober. We reply the same business day, and your follow-up should be a call, not a drip.
Compliance for jumbo advertising
Jumbo loans are non-conforming, so each lender sets its own overlays, and an ad must not imply an approval. Calls and texts need TCPA consent on the form. If you advertise a rate or payment, Regulation Z and MAP Act trigger terms apply, so we mostly avoid numbers. Meta places housing ads in a special ad category with limited targeting. Some larger loans also trigger extra appraisal and ability-to-repay requirements, and licensing is state by state, so confirm the details with your compliance contact.
Before you reach out
Why are jumbo leads harder to find?
Because the audience is small and the bar is high. You are not looking for more clicks, you are looking for the few people with the income, assets and property to match. We narrow the targeting and make the form ask for assets so the volume is lower and the files are sturdier.
Do you target by county?
We can build around the markets where jumbo loans are common, such as high-cost metros and resort areas. Meta limits targeting for housing ads, so location is handled by the market, not by demographic filters.
Can I get leads for jumbo refinances too?
Yes. Homeowners with a large balance and a rate they want to change are a real segment. The form asks the balance and the purpose, so you can tell a rate-and-term from a cash-out.
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.