Land Loans
Financing for the purchase of raw or unimproved land, ahead of construction or as a standalone investment.
- Financing for raw, unimproved, or partially improved land
- Down payments typically 20–50% depending on land type
- Terms shorter than typical mortgages, often with a balloon or refinance point
- Available for land intended for future construction or standalone investment
- Utility access, road frontage, and zoning all factor into underwriting
Ask About Land
Land financing gets underwritten differently from an existing home — with no structure to appraise and rely on as collateral, lenders weigh utility access, zoning, and improvement status heavily, and down payment requirements run higher as a result.
Who This Is For
- Buyers purchasing a lot ahead of a future build
- Investors acquiring land as a standalone hold
- Buyers who need land financing separate from a construction loan
Land FAQs
How much down payment does raw land require?
More than a typical home purchase — often 30–50% for truly raw land without utilities or road access, less for improved lots.
Can I finance land and construction together?
In some cases yes, through a combined land-and-construction structure; otherwise land financing and a separate construction loan are common.
What affects how much a lender will finance on land?
Utility access, road frontage, zoning, and how "raw" versus "improved" the parcel is — a lot with utilities already run is a very different underwriting file than acreage with none.
Related Resources
Ready to Talk Through Land?
Tell us about your situation and we'll tell you honestly what it will take to qualify.
