Land & lot loans
Buy the dirt now. Build when you're ready.
Financing for buildable lots and rural acreage with no build deadline, and a quiet superpower: the land's equity becomes your construction down payment later.
Program snapshot
Land loans at a glance
- For
- lots and rural acreage
- Build deadline
- none
- Raw ground
- from ~30% down
- Terms
- fixed and adjustable
- Later
- equity feeds the build loan
Land financing varies by parcel readiness, access, utilities, and acreage; program terms change without notice. Not an offer or approval.
They stopped making it. You can still buy it.
We broker land programs from residential lot lenders to rural acreage specialists, matched to what the parcel actually is.
now
buy the ground, build whenever
The lot won't wait. Your plans can.
The right parcel sells once. Land loans secure it today with no obligation to break ground on anyone's schedule but yours: hold it, walk it, design for it, and build when life says go.
- No build deadline attached
- Buildable lots and rural acreage
- Fixed terms while you plan
down pmt
is what the land becomes
Today's dirt, tomorrow's equity
Here's the play most buyers never hear: when you eventually build, the land's appraised equity counts toward the construction loan's down payment. Buy well and wait, and the lot can carry the entire requirement.
- Land equity credits at appraised value
- Appreciation works while you plan
- The construction loan is pre-mapped
10-160
acres and beyond
From cul-de-sac lot to back forty
Improved lots with utilities at the street finance one way; raw rural acreage finances another. Both live on this menu, from the last lot in a subdivision to recreational ground measured in fence lines.
- Improved lots with utilities
- Raw and recreational acreage
- Fixed and adjustable structures
Every kind of ground
The parcel decides the program. The plan decides the timing.
Improved lots, lighter lifts
A buildable lot with road access and utilities is the friendliest land loan: stronger leverage, cleaner terms, and the fastest path to a future construction close. If the plat says ready, the financing says so too.
Raw and recreational ground
Hunting woods, weekend acreage, and unimproved parcels finance with more down, commonly around 30%, and honest pricing for patience. The reward: ground that rarely comes up for sale twice.
The build, pre-mapped
Land today, construction-to-permanent tomorrow: one plan across both loans, with the lot's equity sliding into the build's down payment. Our construction pages carry the second half of this story.
When land is really farm
Parcels that work for a living, hay ground, pasture with income, orchard sites, may price better on the agricultural menu. We check both shelves before quoting, because the right label saves real money.
Ground first. Everything else follows.
- 1
Send the parcel
Address or plat, acreage, and what's there: road, power, water, or beautiful nothing.
- 2
We match improved vs raw
The parcel's readiness picks the program; your plans pick the term. Both quoted plainly.
- 3
Close, hold, and build on your clock
The ground is yours. When you're ready, the equity you've been sitting on starts the construction loan.
The quick eligibility check.
- Buildable lots and rural acreage
- No build deadline
- Fixed and adjustable terms
- From ~30% down on raw ground
- Land equity feeds the future build
- Recreational parcels welcome
Ready to build already? Construction-to-permanent closes the home in one loan with your land's equity counted, and investors building to sell or rent start at ground-up construction.
Straight answers
How are land loans different from mortgages?
No house means more equity up front and shorter menus: expect larger down payments, with improved lots friendlier than raw ground, and terms from a few years to full amortizations. The trade buys you the one thing houses can't offer: the exact ground you want, held on your timeline.
How much down do I need?
Roughly speaking: improved, build-ready lots earn the strongest leverage, while raw and recreational acreage commonly wants around 30% down. Parcel readiness, access, and utilities move the number, and we quote the actual parcel, not a rule of thumb.
Do I have to build within a certain time?
No. These aren't construction loans with clocks attached; they're land loans. Hold the parcel for two years or ten, and when you're ready, the construction financing is a separate, pre-mappable step.
What's this about the land becoming my down payment?
The quiet superpower of buying ground early: construction-to-permanent loans credit your land's appraised equity, not just what you paid, toward the build's down payment requirement. A parcel bought well and held often covers the entire down payment by groundbreaking day.
Does utilities-at-the-street really matter that much?
Yes: an improved lot is closer to a house in the lender's eyes, which shows up as leverage and pricing. Raw ground is absolutely financeable, it simply carries the patience premium honestly.
What about big acreage or ground with farm income?
Ten to 160 acres and beyond runs through rural land programs, and parcels that earn, hay, pasture leases, orchard sites, may price better on our agricultural menu. We check both shelves before quoting.
The parcel you keep driving past is for sale once.
Two minutes to send the ground. No cost, no obligation, and the build loan mapped behind it whenever you're ready.
Guthix Lending • NMLS# 2672037 · Land and lot financing is subject to parcel, access, utility, zoning, and appraisal requirements that vary by program and change without notice; down payment and terms depend on parcel readiness and acreage, and figures shown reflect common program guidelines. Future construction financing is a separate transaction subject to its own qualification, and land-equity credit depends on appraisal at that time. Not all borrowers or parcels will qualify. This is not a commitment to lend or an offer of specific terms.