Land Loans
Land Loans provide financing for purchasing undeveloped, raw, or improved land for residential, commercial, or investment purposes. Whether you’re looking to build your dream home, develop a commercial project, or secure land for future use, these loans offer flexible terms and competitive rates tailored to your needs. With financing options for various property types, including vacant lots, rural land, and construction-ready parcels, Land Loans help turn your vision into reality while offering the financial flexibility to plan and develop at your own pace.
Fast & Reliable Funding
Close deals in 7–10 days with fast pre-approvals & simplified processing
High leverage financing
Finance up to 85% of the property value including renovation costs
Flexible structures
Customized loan terms, draw schedules, and payment plans to fit your goals
Program Highlights
- Purpose: Purchase or refinance of zoned/entitled land
- Loan Amounts: $75,000 to $20,000,000+
- LTV: Up to 65%
- Term: 12–24 months
- Rates: 11%–13% interest-only
- Points: 2+
- Requirements: Entitled preferred, exit plan required, no construction funding
Maximize Returns with Smart Financing
12–24 month interest-only private loans for the purchase or refinance of entitled or infill lots. Designed for experienced investors looking to acquire developable land without immediate construction. LTVs up to 65%, based on current land value and borrower experience.
Real estate moves fast. Our streamlined underwriting and approval process means you’re ready when opportunity knocks—without the delays of traditional lenders. Our average closing time? Just 7–10 days.
Who This Loan Is For?
Our Land Loans are ideal for:
- Builders & developers — who need to secure land before breaking ground.
- Real estate investors — seeking appreciation through long-term land holds in growth markets.
- Speculative buyers — acquiring raw land in emerging areas to hold or flip.
- Infill lot buyers — preparing for ground-up construction or resale.
- Small business owners — purchasing commercial lots for future facilities or resale.
How it Works?
Speak with a Loan Specialist
Start with a free 15-minute consultation.
Get Pre-Approved
Apply online in just 5 minutes — no cost, no obligation.
Submit Application
Once pre-approved, submit your property-specific application
Sign Loan Docs & Disclosures
We’ll send loan documents for e signature at the title company.
Fund Your Deal
Closing is held at a licensed title company or attorney’s office
Elevate Finance Group
Frequently Asked Questions (FAQ)
We finance raw land, entitled lots, infill parcels, and rural or suburban land zoned for residential or light commercial use.
Yes, but utility access affects both value and LTV. Raw land without utilities may require stronger financials or more down payment.
Typically, yes. Expect to bring 30–35% down. We may allow higher leverage with strong collateral or financials.
Unsure Where to Start?
Apply Now! A team member will reach out, or give us a call. We’ll guide you through the funding process and make securing your loan easy and stress-free.
