Loan Program
Land Acquisition
Land loans are the hardest asset class to finance and the one where a broker earns their keep. We know which lenders will lend on raw, entitled, or paper-lot land and how to structure the deal so it rolls cleanly into development financing.
Typical Terms
| Loan-to-value | 50–65% of purchase price or value |
| Term | 12–36 months |
| Rate | Higher than construction; priced to entitlement risk |
| Recourse | Full recourse typical |
| Exit | Development loan, sale of lots, or refinance |
Terms shown are typical ranges, not a commitment to lend. All financing is subject to lender underwriting and approval.
Who This Fits
- Developers tying up land while entitlements are finished
- Builders buying lots ahead of construction
- Investors holding land in a growth corridor
What Lenders Look For
- Entitlement status and timeline
- Feasibility narrative and exit strategy
- Sponsor liquidity to carry the land
- Comparable land sales
- Access, utilities and zoning
Documents Checklist
- Purchase contract
- Title preliminary report
- Feasibility narrative
- Entitlement documents / zoning letter
- Personal financial statement