Loan Program
Land Hold & Refinance
When a project's timeline stretches, we arrange financing to hold land or refinance maturing land debt so you are not forced to sell at the wrong time.
Typical Terms
| Loan-to-value | Up to 50–60% |
| Term | 2–5 years |
| Payments | Interest-only or accrued |
| Recourse | Full recourse typical |
Terms shown are typical ranges, not a commitment to lend. All financing is subject to lender underwriting and approval.
Who This Fits
- Developers waiting on entitlements or market timing
- Investors land-banking in growth areas
- Borrowers with a land loan coming due
What Lenders Look For
- Sponsor's ability to carry the debt
- Long-term plan for the land
- Current value and comparable sales
Documents Checklist
- Current loan statement (if refinance)
- Appraisal or valuation support
- Plan for the land and timeline
- Personal financial statement