What we finance
- Raw and unimproved land
- Entitled and finished lots
- Land acquisition and development (A&D)
- New community lot loans for builders
- Land refinance and cash-out to fund construction
How it works
Land loans carry lower leverage than improved property because land doesn't produce income. Expect roughly 50–65% LTV on raw land and higher on entitled lots. A clear plan (entitlements, permits and a construction timeline) improves terms. Once you're ready to build, we can roll the land into a ground-up construction loan.
Land Loans: terms at a glance
| Loan types | Purchase, refinance, cash-out, bridge, construction |
|---|---|
| Structures | Bank, SBA, bridge and private capital |
| Credit under 600 | Commercial bridge up to 65% |
| Extra leverage | Seller carry to 90% CLTV |
Terms shown are representative and subject to underwriting, appraisal and state availability. All loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.