Land & Lot Financing

Financing vacant land or serviced lots requires specialized lenders and creative structuring. Traditional banks often avoid land-only deals, but alternative lenders offer programs for raw land purchases, subdivided lots, or acreages zoned for development. Typical down payments range from 25-50%, with shorter amortizations (15-20 years) due to the lack of income-producing improvements.

Land financing is ideal for those planning future construction, holding for appreciation, or assembling larger parcels for development. We assess zoning, servicing (water, sewer, power), and municipal development plans to structure loans that meet lender criteria while aligning with your timeline.

Whether buying a waterfront lot, farm acreage, or urban infill parcel, land financing unlocks opportunities to secure prime real estate before construction begins. With strategic planning and the right lender, raw land becomes the foundation for custom homes, investment projects, or long-term wealth building.

Land purchases require different thinking than improved property financing. Without structures generating immediate utility or rental income, lenders focus on equity, borrower strength, and development potential. Serviced lots with utilities, road access, and building permits command better financing terms than raw acreage requiring infrastructure investment.

We specialize in connecting buyers with lenders who understand land financing nuances—zoning considerations, environmental assessments, agricultural vs. residential use, and development timelines. Whether you're assembling acreage for future subdivision, securing a premium building lot, or purchasing recreational land, our expertise turns complex land transactions into successful financing outcomes.