Loan Programs / Short-Term

Land Loans

Financing to acquire or refinance land for development, entitlement or hold.

Open field of grass with a lone tree in the distance
Up to 85%
LTV
$75K – $5M
Loan amount
12 / 18 / 24 mo
Terms
21 – 30 days
Typical close time

Program overview

Land Loans provide financing to acquire or refinance land for development, entitlement or hold, with up to 85% LTV and closings typically in 21 – 30 days.

Loan amounts range from $75K to $5M, with 12, 18 and 24 month terms. Loans are interest only, with no prepayment penalties, and a minimum credit score of 660 applies.

Ideal for

  • Investors acquiring land for development
  • Land refinances
  • Investors holding land for entitlement or future development
  • Borrowers who want interest-only payments and no prepayment penalty
  • Projects that fit a 12, 18 or 24 month term

Common questions

What is a land loan?

Financing to acquire or refinance land for development, entitlement or hold.

What LTV is available?

Up to 85% LTV.

How much can I borrow?

Loan amounts range from $75K to $5M.

What terms are available?

12, 18 and 24 month terms.

Are the loans interest only?

Yes. Land loans are interest only.

Is there a prepayment penalty?

No. There are no prepayment penalties.

What credit score do I need?

The minimum credit score is 660.

How fast can you close?

Typically 21 – 30 days from start to finish, once all items have been received.

How it works

01

Tell us the scenario

A brief 15-minute call with a loan officer to walk through your scenario and goals. Get a quote now, or click Contact Us to call, email or schedule a call.

02

Review your options

You receive a Good Faith Estimate and term sheet with multiple options.

03

Close and fund

Submit your file, clear underwriting, and close on a timeline built around your deal.

Explore all programs

Ready to move on your next deal?

Get a Good Faith Estimate with multiple options for your review.

Get a Quote Apply Now

* Closing time frames begin once all items have been received. Loan amounts and LTVs may vary based on credit score, track record, and other underwriting conditions. All loan terms are subject to final underwriting review and are not final until a clear-to-close has been issued.

Get a Quote

Tell us about your deal

A quick application — we’ll follow up with your quote.