We provide lot / land financing for the following four types of property:

  1. Residential Lot / Land for Consumer — Bank financing for the purchase or refinancing of Residential or Agricultural zoned land / lot parcel for construction of a primary, second or investment property home in the future; up to two, adjacent parcels possible. Conditions and restrictions apply – see below. 
  2. Agricultural – existing or potential farm income. We can finance one or more contiguous agricultural parcels for purchase or refinancing. Minimum 10 acres AND $250,000 loan, max 70% loan-to-value. Conditions and restrictions apply – see below.
  3. Developer / Builder — land acquisition or bridge completion financing: 50% LTV bridge-purchase financing for experienced developers and spec home builders / commercial property.  Also limited, case-by-case refinancing of incomplete tract subdivisions for “blue top” improvements prior to sale or construction. Conditions and restrictions apply. Call or email for more info.
  4. Commercial, Industrial, Manufacturing, Other Zonings: NO commercial bank financing for these property typesprivate financing only. Commercial banks are not loaning on vacant commercial land after 2008, but we can provide limited financing on a case-by-case basis for these zoning types. A significant down payment is typically required (or less down with cross-collateralization) and these are usually shorter-term bridge loans, not long-term solutions (though we do have one option for 15-year financing). Call or email to discuss.

“Lot and Land loans are not offered by most major banking institutions. While the process of qualifying is similar in some ways to a traditional loan on improved property, there are additional considerations and qualifications unique to land lending. That’s where a land financing specialist is key to a successful, closed transaction.”

~ John Harambasic; Cal-Lending.com

Consumer – Residential Lot / Land Purchase or Refinance Loans

Purchase or Refinancing for residential-zoned lot / land parcel intended for future construction of a primary, second or investment home.

RESIDENTIAL land / lot financing meeting the following criteria:

  • Size: For residential-zoned lots / land, up to 20.00 acres (conditions apply for parcels 10.01 – 20.00 acres). Parcels larger than 20 acres are case-by-case. Call or email for specifics. We can also finance up to two, adjacent parcels for the same purpose on an exception basis. Call or email for more info.
  • Minimum Down-Payment: 20% or more for land / lot purchase transactions, depending on several factors. Refinances require a minimum 25% or more equity to qualify. Call or email for parcel-specific down-payment / equity requirements.
  • Credit Score / History:  720 is preferred, though we can accomodate credit scores as low as 620 with increased down-payment and reserves. No recent bankruptcy or foreclosure. Call or email for more info.
  • Utilities: Financing requires availability of the following utilities at / in the street, or nearby in order to qualify:
    Public / city water (or private well report in some, but not all cases)
    — Public / city sewer (or percolation test report for private septic system)
  • Existing Improvements: Typically, NO affixed, existing improvements (buildings, animal facilities, manufactured homes, garages / sheds, etc) regardless of condition are allowed. To qualify for land financing, the subject lot / land should be “vacant” (sometimes called “raw” land). Existing homes, buildings, or structures affixed to the land must usually be demolished or removed prior to closing unless eligible for case-by-case exception. A construction loan may be the better option for land with existing structural improvements. Call or email with questions or concerns.
  • NO “CASH-OUT” refinancing of lot / land (“rate / term” only). Call or email for residential land / lot refinancing requirements.
  • “Investment” lot purchase: 25% down, and a 15-year amortized monthly payment (lot loans for primary and second homes are 30-year amortized monthly payments). Qualified buyers and parcels only. Restrictions and conditions apply. Call or email for more info. Very niche product.
  • All Residential Lot / Land Loans: Traditional qualifying only (full income and asset documentation required).
  • AGRICULTURAL land financing meeting the following criteria:
  • Minimum 30% down payment for agricultural-zoned farm land purchase, or max 70% LTV for refinancing.
  • Minimum 10-acre parcel and $250,000 loan amount.
  • Existing farm operation, OR future farming intent. A Pro Forma statement is required for parcels not currently farmed. A 2-3 year income-operating statement and other financials required for agricultural land refinancing.
  • DEVELOPER / BUILDER Lot / Land Financing meeting the following criteria:
  • 50% as-is LTV purchase-bridge financing for qualified, experience builder / developers on residential parcels. We also provide spec construction loans for single, multiple and tract developments.
  • Case-by-Case refinancing, final-stage land development loans: financing limited to experienced builder / developers on approved, entitled subdivisions and is generally limited to “blue top” improvements prior to sale. Documentation and owner-vested, at-risk capital vested in the project are required. Call or email for more info.
  • NO bank financing – only private financing
  • LTV is case-by-case, typically 50% or less, but less down possible with acceptable cross-collateralized property.
  • Ability-to-Repay (income documentation) is typically required to qualify
  • Established owner-operators of businesses preferred.
  • Substantial down-payment required. Max 1-2 year balloon-term loan typical, but up to 15-year amortized loan available. Call or email with questions.


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