Renovation loan leads
Buyers and owners who need the home fixed and the loan to cover it, delivered to you alone.
Renovation loan leads belong to a borrower with a house that is not quite right and a plan to fix it. The purchase price and the repair bill roll into one mortgage, based on what the home will be worth after the work. The two names you will hear most are the FHA 203(k), which comes in a limited and a standard version, and Fannie Mae HomeStyle. The form tells you the property, the scope and the timeline before you call.
- Project scope and purchase or refi captured
- Property status and timeline on the form
- Exclusive and never resold
Watch it in 39 seconds
A 39-second explainer from the Amplify Leads team: renovation loan leads for loan officers.
What renovation loan leads look like when they reach you
Who
Buyers eyeing a fixer-upper, and owners who want to refinance and pay for improvements in one step.
What they want
One loan, one payment, with repair money held back and released as work is completed.
When
Often tied to a contract or an accepted offer, so a slow reply costs the deal.
Renovation loans take more work from the loan officer than a standard file. If you handle consultants, contractor approval and draws, say so and we build around it.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: FHA leads, conventional loan leads, and construction-to-permanent leads. Or see mortgage leads by state.
The people who buy houses with problems
A renovation loan borrower looks at a dated kitchen or a tired roof and sees potential. Some are first-time buyers who cannot afford a finished home in their neighborhood, some are investors-turned-owner-occupants and some are long-time owners finally ready to remodel. They do not have the cash to pay for a purchase and a rebuild separately, and a one-loan solution is exactly what they are missing. Many will not know the products exist until an ad tells them.
What makes a renovation lead worth the extra work
A strong lead has a defined project, a property that meets program rules and a borrower with realistic expectations about timing. These loans move slower than standard ones because of inspections, bids and draw schedules. A wasted call is a person who wants cosmetic changes that fall outside program rules, or who has no contract and no plan. The form captures scope and status so you can tell a limited-repair file from a standard-scope one in a minute.
What the renovation form asks
The questions are about the house and the plan, because that is what decides the product. Money details come on the call.
- Are you buying a home or refinancing one you own?
- What work do you want to do, in a sentence or two?
- Do you have a contract or an accepted offer?
- What is the property type, such as single family or condo?
- About how much do you expect the work to cost?
- Which state is the property in?
Ads that sell the house they could have
The ad angle is possibility: buy it, fix it, one loan. Visuals and copy speak to buyers and owners with a project in mind. Facebook and Instagram work well because renovation is a visual idea and people respond to before-and-after thinking. Google catches those searching for an FHA 203(k) or a renovation mortgage directly. The landing page promises a clear explanation of how the loan works. We reply the same business day, and follow-up should be patient, since these borrowers often take weeks to line up bids.
Compliance for renovation loan marketing
FHA 203(k) has program rules on eligible repairs, consultants and lender approval, and HomeStyle follows Fannie Mae's guidelines. Ads must not imply that every project qualifies. Calls and texts need TCPA consent captured on the form. A stated rate or payment triggers Regulation Z and MAP Act terms. Meta places housing and credit ads in a special ad category with limited targeting. Home improvement contractor claims have their own state rules, so confirm anything beyond lending with your compliance contact.
Before you reach out
What is the difference between the programs?
FHA 203(k) is a government-insured program with a limited version for smaller repairs and a standard version for structural work. Fannie Mae HomeStyle is a conventional renovation product. Details differ by lender, so tell us what you offer and we write the campaign for those programs.
Do the leads come with a contractor?
No. The borrower tells us what they want done, and you or your lender work out the contractor and the draw process. The form captures the scope so you can tell a cosmetic update from a gut job.
Can I run both purchase and refinance?
Yes. The form asks whether the borrower is buying a home that needs work or already owns one. We can run them as two ads so you see which brings better files.
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.