Land & Lot Loans
Financing to buy land and lots — with or without the construction loan attached — for investors and builders.
Who it’s for.
Builders and investors buying land to develop, and owners who want to borrow against land they already hold.
What it can pay for.
- Purchase of a buildable lot
- Land acquisition plus construction
- Horizontal development
- Borrowing against land you own to fund a build
What lenders look at.
- Zoning and entitlements
- Entitled, build-ready lots finance far more easily than raw land.
- Your plan and timeline
- When you'll build, and what. Land with a near-term construction plan has more options.
- Experience
- Development and construction history drive leverage.
Documents you’ll usually need.
Not to get started. The analyzer and the quote request need none of this. Once you choose a lender, you upload these through a secure portal with a checklist.
- Purchase contract or deed
- Survey and zoning information
- Development or construction plan, if building
- Entity documents and bank statements
Questions
Land & Lots questions.
Can I get a loan on raw land?
Yes, though leverage is lower and fewer lenders do it. Entitled lots with a construction plan have the most options.
Can the land and the construction be one loan?
Often, yes. A single loan covering the lot and the build is common for ground-up projects.
Let’s find out what you qualify for.
A few minutes online, a real person on the other end, and answers fast. No credit pull, and you owe us nothing unless your loan closes.