Land Loans

1   Fill out one FREE loan application safely and securely.

• Your Social Security Number is not required.
• Finish your Land Loan in 2-3 minutes.
• Get your own Loan Control Center with tools to conduct all of your negotiations until your loan is closed.

2   Get the BEST RATE and the terms.

• Over 10,000 banks, brokers and private investors will have instant access directly to your loan application.
• If your loan request fits their lending criteria, they can immediately provide you with a "Letter of Interest", and a loan approval.
• You may receive 4-6 bids. These bids will come directly to your own Loan Control Center with email notification to you.
• You can compare offers and then choose the best one or negotiate further. View sample results

3   Our lenders provide any type of Land Loans:

• LAND LOANS
  Looking for a Land Loan through a Private Lender or Bank? Have bad credit? We arrange Land Loans for all types of properties and for all purposes: CONSTRUCTION LAND LOANS, Land for Commercial/Industrial uses - COMMERCIAL LAND LOANS, BAD CREDIT LAND LOANS, Subdivision Land Loans for builders, Special uses land, Mobile Home RV parks, Parking lots, Rural/Agriculture land, and many others. Several of the different types are listed below:
• FARM LAND LOANS
  These Land Loans can be used to purchase land, livestock, equipment, feed, seed and supplies. They can also be used to construct buildings or to make improvements to your farm. These farm loans are often provided to beginning farmers who cannot qualify for conventional loans because they have insufficient financial resources. They can also help established farmers who have suffered financial setbacks from natural disasters, or whose resources are too limited to maintain profitable farming operations.
• LAND DEVELOPMENT LOANS
  A Land Development Loan is an advance of funds, secured by a mortgage, to finance the making, installing or constructing of improvements necessary to convert raw land into a construction-ready building site. In other words, a Land Development Loan takes an unimproved parcel and breaks it up into a number of smaller, improved parcels upon which homes or commercial buildings can be constructed.
• LAND EQUITY LOANS
  If you currently own the land on which your home will be built, you may be able to use the value of the land, instead of cash, as a down payment. Even if you do not own the land outright, (i.e., you still are making payments on it) it is often possible to use your equity instead of a cash down payment. Land Equity Loans typically have lower interest rates than home-only loans. Another advantage is that site improvements such as a well, septic system, garage, fence, deck, etc., can be financed in the loan amount. In some cases, you can also finance the closing costs.
• LAND PURCHASE LOANS
  A Land Purchase Loan can provide the funding you need to purchase the ideal land to build your dream home! It can help you pay for land before you start building on it. Depending on your needs, you can choose to fully amortize your payments, or pay interest only for the majority of the term, to keep your payments lower.
• LOT LAND LOANS
  Lot Land Loans are designed as purchase money loans for those borrowers who aren’t ready to begin construction at this time, and as such are not ready to obtain a construction loan, but will be ready in the near future. The lot must be normal for the area and at least one utility must be available from the street. (Septic tanks or propane tanks are acceptable if these features are normal for the neighborhood.)
• MOBILE HOME LAND LOANS
  After you have bought your Mobile Home, you may need to decide where you want to live, in a mobile park or on land that you own. To get a Mobile Home Land Loan you do not need to have a house set up already.
• RAW LAND LOANS
  Banks are very wary of lending on raw/undeveloped land because of the complexity involved in evaluating the project, geographical limitations and increased uncertainty and risk. Private Lenders have a better ability to evaluate these factors and can provide funding for Raw Land purchases, refinancing or equity cash-outs. Terms and availability of Raw Land Loans are property and project dependent, but Raw Land Loans are generally tied to the value of the property and not the borrower's personal credit.
• VACANT LAND LOANS
  Vacant Land Loans are designed specifically for borrowers that want to purchase parcels of unimproved land or refinance existing loans secured by unimproved land. Such parcels may be located in a developed, platted subdivision, or may be stand-alone parcels.
• VA LAND LOANS
  Since VA Loans require no down payment and have a high loan to value ratio, some banks or lending institutions are not willing to approve interim Land Loans directly to veterans. At Lending Universe, we have created an effective way for veteran land-buyers to be able to get the land they want.

Start your Land Loan Application here

Any credit, any income...
Our lenders accept requests for many loans of other property types