Loan ProgramsRaw Land + Construction Loans
Raw Land + Construction Loans
Buy the land and fund the build in one package
Overview
How Land + Construction Works
Found the right acreage but don't want two separate loans and two closings? A land-and-construction loan bundles the raw land purchase with your build costs into a single financing package, so you can move from bare land to a finished home without stopping to refinance in between.
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Key Benefits
One loan covers land purchase and construction costs
Programs available for unimproved, wooded, and acreage parcels
Land equity can often be applied toward your down payment
Converts to permanent financing once the home is complete
Portfolio lenders can be flexible on acreage and access requirements
Who This Is For
Buyers who haven't purchased land yet but have a build in mind
Landowners who need construction financing on land they're still paying off
Borrowers who want to avoid a second closing after construction
Land + Construction — Frequently Asked Questions
Raw and unimproved land is harder to finance through a conventional mortgage lender, but specialty and portfolio lenders finance it regularly — especially when it's paired with a construction plan rather than land alone.
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