Loan Programs · Land Loan
Financing for Land, Not Just Homes
Raw land, a buildable lot, or acreage you just want to hunt, camp, or ride on. There's a loan for that.
A land loan finances the purchase of a piece of property with no home on it yet. That covers a lot of ground, literally: a lot inside a planned neighborhood where you intend to build soon, unimproved raw land with no utilities or road access, and recreational or rural acreage you're buying to hunt, camp, ride ATVs on, or just hold onto, with no plan to ever put a structure on it.
Land loans generally require a larger down payment than a home purchase, and terms are often shorter, since land alone is harder for a lender to resell than land with a house on it. How much a lender will finance also depends heavily on the land itself: whether it has road access and utilities nearby, or whether it's truly off-grid.
If building is part of your plan, a land loan can sometimes be paired with construction financing down the road. If it's purely recreational, that's fine too. We'll shop lenders who understand that not every piece of land is a future homesite.
Curious what a land loan would actually cost you? Run the numbers, no commitment. Or see why shopping it through a broker beats walking into one bank.
General information, not a commitment to lend. Rates, terms, and eligibility vary by lender and are subject to underwriting guidelines. Equal Housing Lender, NMLS #2354674.
Common questions
Can I get a land loan if I have no plans to ever build on it?
Yes. Recreational and rural land purchases, hunting property, ATV land, or acreage you just want to own, are a real and common use for a land loan.
Why do land loans usually need a bigger down payment?
Vacant land is harder for a lender to resell than a property with a home on it, so lenders offset that risk with a larger down payment and often a shorter term.
Bigger builds & bigger properties
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Ready when you are
Think Land might be your fit?
A real, licensed loan officer checks it against your actual situation and every lender that offers it. No obligation, no credit pull to start.
NMLS #2354674 · Equal Housing Opportunity · Not a commitment to lend