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LAND AND LOT LOAN

A land and lot loan is financing designed to help you purchase vacant land or a finished lot, whether for future construction, development, or investment, providing the flexibility and capital to lay the foundation for your next project.

Collateral

Unentitled Land​

Entitled Lot

Developed Lot

Lot with Existing Structure

Agricultural Land

Commercial Land

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LTV

Up to 80% for Traditional Acquisition and Refinance

Up to 80% for Cash-Out

Up to 60% for Non-Income Application

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Term

Short-Term Bridge​

25-30 Years Amortization

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Minimum Property Value

$200k

​Loan Amount

$100k – $100M

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Minimum FICO

680 for regular loans​

560 for hard-money loans​

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Experience

No Experience Requirement​

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Pre-Payment Penalty

Optional

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