California Residential Lot and Land Loans

We provide consumer-direct* residential land loans and lot loans for the following scenarios (sorry – we do not offer land financing for commercial property, tract home developers, wholesale land loans to mortgage lenders, land loans less than $100,000, or “hard money” land loans).

1. Residential Lot / Land intended for future primary, secondary, or investment occupancy / use: Bank financing for the purchase, rate/term OR cash-out equity refinance of Residential or Agricultural zoned land / lot parcels intended for a primary (full-time), second / vacation (part-time) or future investment residence.
   Available for California land and lots and several other US states.
   Up to 95% financing available! (conditions and restrictions apply).
   Only 10% down on qualified land / lot transactions to $832,750 loan amount in 2026! (residential land loan amounts to $3.0 million available)
   $100,000 to $3 million lot / land loan. Minimum final contract price (or value) and other restrictions apply. Call or inquire online for specifics.
2. No Prepayment Penalty on any land loan! 
3. “Rural” land loans or lot loans intended for future primary, secondary, or investment occupancy / use: Financing for eligible rural land / lot parcels and borrowers. Available for California land and lots and several other US states..
   Up to 95% financing available! (conditions and restrictions apply).
   Only 10% down on qualified land / lot transactions to $832,750 loan amount in 2026! (residential land loan amounts to $3.0 million available)
   $100,000 to $3 million lot / land loan. Minimum final contract price (or value) and other restrictions apply. Call or inquire online for specifics.
4. Agricultural zoning (non-income-producing, intended for residential use): same as residential lot / land products above. $100,000 – $3 million lot / land loan net of down payment, and conditions and restrictions apply.
   Commercial farmland or intended “farm-only” use. We can finance one or more contiguous agricultural-zoned / use land parcels for purchase or refinancing of agri-business operations (these are different loan programs for farms versus land intended for future construction of a 1-4 unit home). Call or inquire online for specifics.
5. CASH-OUT equity loans on vacant parcels – same financing ratios, terms, and qualifications as above! Call or inquire online for specifics.
6. NO loans on land containing livable structures of any type or value.
7. Multi-Parcel and “lot-next-door” land loans allowed. Call or inquire online for specifics
8. Established RV Park lot loans allowed – Call or inquire online for specifics.
9. Qualified co-signers allowed – Call or inquire online for specifics.
10. (*) We are not wholesale, nor co-op with loan brokers – consumer-direct lending only.
    NO COMMERCIAL “DEVELOPER” LAND LOANS
    Our residential land and lot loans are not suitable for developers seeking to develop multi-parcel land for commercial resale (“spec construction”) purposes.
    

Consumer-Direct Residential Lot / Land Purchase or Refinance Loans. 25+ years full-time land loan financing experience.

Yes – we are providing consumer Land / Lot loans in 2026! Purchase or Refinancing for qualified lot / land parcels intended for future construction of a 1-4 unit residence with down payments starting as low as 5%! Cash-out equity land loans, rate/term refinance land loans, and other niche land and lot loans available in California and other states.

LAND / LOT FINANCING MEETING THE FOLLOWING CRITERIA (no “land developer loans” please):

• Minimum Land / Lot Loan: $100,000+  (minimum sale price or value restrictions apply)
• Maximum Residential Land / Lot Loan: $3.0 million (net of down payment)
• Parcel Size: No maximum acreage limit applies for eligible, buildable parcels, though additional conditions and restrictions apply. Call or inquire online for specifics.
• Minimum Down-Payment: Minimum down payments starting at 5% on eligible lot / land parcels but may be higher depending on certain factors. Call or inquire online for parcel-specific down payment requirements.
• Credit Score / History:  We can accommodate qualified credit scores as low as 640 (conditions and restrictions apply to sub-680 credit). Minimum credit depth and history standards apply to all credit grades. Call or inquire online for specifics.
• Utilities (residential lots): Qualified land parcels do NOT require existing or proposed utilities to qualify. Pre-existing or potential electricity, sewer/septic or water/well, or expensive testing and certification processes are not necessary with our preferred lot / land financing product). Qualified lots / land MUST be BUILDABLE and may NOT have existing, livable structures of any type.
• Other existing structures: case-by-case consideration and conditions / restrictions apply (e.g., no habitable structures allowed, etc).
• Traditional Income and Asset Qualifying: Historical tax returns, income statements, asset account statements, documented funds to close, etc.
• Residency: US citizens with valid SSN and filed US tax returns or Green Card holders. Conditions and restrictions may apply – call or inquire online for specifics.
• “CASH-OUT” land loans: 1st-lien equity loans on lot / land allowed – same land loan program and terms as above.Call or inquire online for specifics.
• AGRICULTURAL LAND Financing: See # 3 above. Call or inquire online for specifics.
• NO COMMERCIAL / INDUSTRIAL / or non-residential use properties.
  

Don’t be fooled by deceptive advertising. A “single-close” or “one-time close” construction loan does not mean “one loan for land + construction + permanent financing.

Questions about residential lot or land financing:
call me direct at (661) 255-9824 (in California) or (800) 644-8829.