Renters want to buy — but not all renters are close to buying. That’s why our First-Time Home Buyer Mailing List is built using a modeled overlay that pinpoints the renters most likely to purchase their first home.

If you’re a mortgage lender, real estate pro, builder, bank, or credit/financial services marketer, this is one of the best prospect segments you can target for consistent lead generation.

What the market looks like right now

First-time buyers are still out there — but affordability and inventory have made them harder to reach.

According to the National Association of REALTORS® (NAR), first-time buyers were 21% of all buyers in the most recent profile, and the median age rose to 40.

That shift is exactly why targeting matters more than ever: you want the most mortgage-ready renters, not a giant “vanilla renter list.”

What makes our First-Time Home Buyer list different

This isn’t just “people who rent.”

Our proprietary First-Time Home Buyer model helps identify renters who statistically look like near-term buyers using factors such as:

• Age and household composition
• Income / affordability indicators
• Length of residence and stability signals
• Dwelling type and unit characteristics
• Modeled credit and other behavioral indicators (where available)
• Additional demographic select options to match your best customers

Bottom line: the overlay enhances basic renter data so you’re spending your marketing dollars on the best prospects.

Who should use this list

Common use cases:

• Mortgage lenders / brokers (purchase loans, pre-qualification campaigns, pipeline building)
• Real estate agents & teams (buyer nurture + buyer consultation offers)
• Builders & developers (new construction and community marketing)
• Banks / credit unions (first mortgage + banking relationship acquisition)
• Down payment assistance programs (education + qualification outreach)

 Targeting options (build the list you actually want)

You can typically select by:

• Geography (state / county / city / ZIP / carrier routes)
• Demographics (age, income, presence of children, etc.)
• Household attributes (dwelling type, length of residence, and more)
• Suppressions (remove your current customers, duplicates, etc.)

Want to layer in mortgage-related targeting too? Pair this with:

• Mortgage Lead Lists (for broader mortgage targeting)
• FHA prospects when relevant
• Modeled Credit Scores

Focused list options

1. A) First-Time Home Buyers (Modeled Renters Likely to Buy)
   Best for purchase mortgage campaigns and buyer acquisition.
2. B) Hispanic First-Time Home Buyers
   A strong segment when you want culturally relevant outreach and bilingual creative.
3. C) Bona-Fide Renters
   Best for banking, credit card, apartment marketing, and general renter outreach.

 Marketing tips that lift response

• Mail more than once. First-time buyers don’t convert on one touch.
• Make the offer easy: “Get pre-qualified” beats “Apply now.”
• Speak to the barrier: affordability, rate anxiety, down payment, and “what do I need to qualify?”
• Use multi-channel: direct mail + email (when available) + retargeting.

NAR also notes down payments have risen, with the median down payment for first-time buyers at 10% in the latest profile — which makes affordability messaging and assistance programs even more important.

 USPS mailing tip

Renters can be more transient than homeowners. If you want stronger delivery:

• Add “Or Current Resident” on address line 2
• Optionally omit MFDU addresses missing a unit number
• Consider pairing your mail with USPS Informed Delivery to add digital impressions

Want your list now?

• Need a basic renter list fast?
  You can run counts and order online through our self-service system.
• Need a Modeled First-Time Home Buyer list (or Hispanic overlay)?
  Call our office and we’ll size your territory and turn it quickly.
• Looking for email addresses and/or cell phone numbers?
  These options cannot be ordered online. Please call our office so we can review availability and compliance before releasing data.

Call (800) 771-3282