Raw Land & Lot Acquisition

Financing for qualified raw land and lot acquisitions in California, subject to program guidelines.

Program terms

Financing for qualified raw land and lot acquisitions in California, subject to program guidelines.

Purchase
Up to 50% LTV on purchase
Refinance
Up to 30–35% on refinance
Term
1–3 year term
Rate range
11.99%–13.99% rate range shown in current lending materials
Credit
Minimum 580 FICO

All loans are subject to underwriting, property evaluation, borrower qualifications, applicable guidelines, and final approval. Advertised terms are not a guarantee of approval or specific loan terms.

How we evaluate it

We look at the complete transaction: the asset, value, equity, borrower, project, market, business plan, and exit strategy.

This allows us to consider opportunities that may require more flexibility than a conventional lender can provide. Qualified transactions may close as fast as 5 days, subject to complete documentation, underwriting, title, valuation, conditions, and transaction readiness.