We provide lot loans and land financing for the following:
- Metro / Urban / Suburban Residential Lots and Land intended for future Primary or Second / Vacation Home construction. Bank financing for the purchase or refinancing of Residential or Agricultural zoned land / lot parcel for construction of a future primary or second/vacation home property.
Focus: $75,000 – $2.0MM lot / land loan, net of down payment. Minimum contract price should be apx $100,000 or more. Scroll down for more info.
Conditions and restrictions apply.
- “Rural” land loans or lot loans for future primary homesite: Financing for eligible rural land parcels and borrowers. Conditions and restrictions apply.
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Focus: $75,000 – $1.10MM lot / land loan, net of down payment.
Specific conditions and restrictions apply – call or email for more info. - Agricultural – existing or potential farm income. We can finance one or more contiguous agricultural land parcels for purchase or refinancing.
Focus: $250,000 – $1.50MM lot / land loan, net of down payment.
Conditions and restrictions apply – see below. - NO “Investment” / “lot next door” / “spec” construction lots / commercial / industrial or non-residential use or zonings: NO bank financing for these – hard money financing only (we are sometimes able to provide hard money land loans for non-bankable land purchase or refinance scenarios, but please note this is higher-cost, higher-rate, and shorter-term lending at significantly lower leverage compared to traditional bank loan programs. Better or more financially viable options may exist. Hard money land loans should be a last resort).