Commercial
Land financing
Lot and land loans when the collateral is not yet an improved, income-producing building.
- Entitled and raw land overlays
- Higher down payment typical
- Construction takeout planning
Who it is for
Buyers assembling a site for a home or a commercial project who need to finance the dirt first.
Land is collateral that does not yet produce a house payment or rent. Lenders want more equity and a story for what happens next. We pair land financing with a realistic construction or hold plan.
Questions
- Can I use a residential mortgage on vacant land?
- Usually no. Land is its own credit box. Construction-to-permanent may be the better path if you will build immediately.
Related programs
- Construction
Ground-up or substantial construction loans with draws as work is completed.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.