Residential Land Financing
Whether you're acquiring lots for future development, land banking for appreciation, or preparing sites for construction, we provide flexible land financing solutions.
Industry Challenges
Traditional lenders avoid raw land financing
No income from undeveloped land
Entitlement and permitting uncertainty
Infrastructure and utility requirements
Longer holding periods than improved property
Our Solutions
Specialized land lending programs
Asset-based underwriting approach
Flexible terms for entitlement periods
Financing for site preparation and infrastructure
Bridge to construction loan options
Residential Land Financing
Land represents the foundation of all real estate development. Whether you're a builder acquiring lots, an investor land banking for future growth, or a developer creating new subdivisions, we provide financing that makes land deals possible.
Land Loan Types
Finished Lot Loans
- Construction-ready lots with utilities
- Higher LTV due to reduced risk
- Quick transition to construction financing
Raw Land Loans
- Unimproved parcels requiring development
- Asset-based underwriting
- Flexible terms for entitlement period
Land Development Loans
- Fund infrastructure and improvements
- Roads, utilities, and site work
- Subdivision creation financing
Investment Strategies
Build-to-Sell Acquire lots, build homes, sell for profit:
- Land acquisition financing
- Seamless construction loan transition
- Spec and pre-sold programs available
Land Banking Hold land for future development or appreciation:
- Lower LTV reflects longer timeline
- Interest reserves available
- Exit via sale or development
Lot Development Create buildable lots from raw land:
- Finance entitlement process
- Fund infrastructure installation
- Sell finished lots to builders
Underwriting Approach
Land loans require different evaluation:
- Location Quality - Proximity to amenities and growth
- Entitlement Status - Zoning, permits, and approvals
- Development Potential - Highest and best use analysis
- Exit Strategy - Clear path to value realization
- Borrower Experience - Track record in similar projects
Loan Parameters
- LTV: 50-65% depending on land type
- Terms: 12-36 months typical
- Interest: May be reserved or paid current
- Exit: Sale, development, or construction loan
Infill Lot Acquisition
A builder identified three infill lots in a desirable neighborhood but needed to move fast. We provided land acquisition financing in 12 days, allowing them to secure the lots. They've since built and sold homes on all three for combined profits exceeding $300K.
Available Programs
Lot Loans
Acquisition financing for individual building lots
Land Banking
Financing for land held for future development
Subdivision Financing
Fund lot development and infrastructure
Land-to-Construction
Seamless transition from land to building loan
Ready to Get Started?
Our team specializes in land financing. Let us help you find the right solution for your business.