Land loan leads
People buying a lot or acreage to build on, hold or use, with the plan stated up front.
Land loan leads are a niche most lenders skip, which is exactly why they are worth a look. People buy raw acreage and building lots with a plan, and they find that standard mortgage programs do not fit. We reach those buyers and send each inquiry to one loan officer, with the type of land and the plan for it written down.
- Raw or improved land captured
- Plan to build, hold or use noted
- Exclusive to you and never resold
Watch it in 40 seconds
A 40-second explainer from the Amplify Leads team: land loan leads: raw acreage to building lot.
What land loan leads look like when they reach you
Who
People buying a lot to build later, acreage for a homestead or hunting, and investors holding land.
What they have
Whether the land is raw or has utilities and road access, the acreage, and the purchase price range.
What they want
Financing to buy now and build or hold later, and an honest read on the down payment needed.
Land loans usually need a larger down payment and carry different terms than home loans. Know your lender's land guidelines before buying leads.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: construction-to-permanent leads, manufactured home leads, and purchase leads. Or see mortgage leads by state.
Who buys land, and what are they picturing?
Some picture a house with a view that they will build in a few years. Others want acreage for horses, hunting, a cabin or a family compound. Some buy a lot in a growing area expecting it to appreciate. A few are builders buying inventory. They are rarely buying out of impulse. Land is bought with a story, and the story drives the financing: building soon calls for a land loan with a path into construction, holding calls for something simpler. Ask about the picture before you talk numbers.
Which land inquiries are worth the call?
Land type is the main filter. A lot with utilities in an established subdivision is far easier to finance than raw acreage with no road. Down payment comes second, because land loans typically ask for more cash up front than home loans. After that, plan and timeline: a buyer who expects to build within a couple of years is a better prospect for a lender that also does construction. Waste shows up as buyers with no real down payment, or ones expecting land to be financed like a house at house terms.
What does the land loan form ask?
The form focuses on the parcel and the plan. A buyer who can answer these five questions already knows more about the property than most browsers, and you can tell within a minute whether the call is worth making.
- Is the land raw, or does it have road access and utilities?
- About how many acres, and in which state?
- Do you plan to build, and if so, when?
- How much can you put down?
- What is your approximate credit range?
How do ads and landing pages reach land buyers?
With the plan in the headline: buy the lot now, build when you are ready. Audiences include people interested in rural living, homesteading, outdoor recreation and building a home, within Meta's limits for housing and credit ads. Facebook performs for this outdoorsy, aspirational group. Google captures searches for land loans, with fewer people but strong intent. The landing page promises a conversation about financing the parcel, not an approval and not a rate. Replies go out the same business day, and a call usually works better than a text for a purchase this size.
What should a lender know about compliance on land loans?
Many land loans are for personal use, but business-purpose and investment land can fall under different rules, so do not assume an ad is exempt. If an ad names a rate or payment, Regulation Z trigger terms may apply, which is why we leave numbers off. Calls and texts need TCPA consent, which the form records. Meta places housing and credit ads in a special category with limited targeting. State licensing differs for land lending, so confirm the wording and your licences with your compliance contact before launch.
Before you reach out
What is the difference between raw and improved land?
Improved land has things like road access, utilities or a cleared building site. Raw land does not. Lenders usually treat raw land as riskier, so terms and down payments tend to be tougher for it.
Do land loan borrowers plan to build?
Many do, but not right away. The form asks about the timeline so you can tell a builder from a long-term holder, and a few will need a construction loan later.
Are land leads easy to close?
They are harder than home purchase leads because fewer lenders offer land loans and terms are strict. That is also why a lender with a real land program has little competition.
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.