Land Acquisition Loans
Land acquisition loans finance the purchase of raw, entitled, or infill land for future development, hold strategies, or immediate build plans. Whether you own land and need capital or are acquiring a parcel, we structure land deals around your timeline.
Start with a quick overview of your deal.
Tell us about your project and we'll respond within 48 hours with next steps — no upfront fees, no obligation.
Why choose land financing with Yoder Funding.
Finance raw, entitled, and partially improved land
Short-term bridge and longer-term hold options
Combine with construction financing for build plans
Flexible structures for developers and investors
Fast closings when the parcel won't wait
What lenders typically look for.
Requirements vary by program and lender. We match your deal to the right fit.
- ✓Clear plan for the land — development, build, or resale
- ✓Loan-to-value typically 50–65% for raw land
- ✓Higher LTV available for entitled or improved parcels
- ✓Credit scores typically 650+ depending on program
- ✓Appraisal and environmental review as required
Common questions about land loans.
Can I get a loan on raw land with no improvements?
Yes, though raw land carries higher risk and typically requires 35–50% down. Entitled or improved land qualifies for better terms.
Can land loans roll into construction financing?
Many builders use a land loan or bridge to acquire the parcel, then refinance or combine into construction financing when ready to build.
What if I already own land and need capital?
Land equity loans and cash-out refinances on owned land are available on select programs, depending on entitlement status and market value.