Land Loans for California Vacant Land Purchases
Specialized land loan financing for vacant and raw land in California. Aditya Choksi provides land mortgages for residential lots, recreational property, and development sites with competitive terms and flexible requirements.
🏗️ Planning to Build?
Seamless transition to construction loans when you're ready to build. One lender for land purchase through home completion.
Land Loan Calculator
Why Choose Our Land Loan Programs
Specialized land financing with deep California market knowledge and flexible programs for every type of land purchase.
All Land Types Financed
Raw land, improved lots, recreational property, and development land financing available
Flexible Down Payments
Down payments from 25-50% depending on land type, location, and improvement level
Construction Transition
Convert to construction loans when ready to build, streamlining your development process
Fast Processing
Specialized land loan underwriting that understands unique property characteristics
California Expertise
Deep knowledge of California land values, zoning, and development potential
Competitive Rates
Market-competitive rates for land financing with terms up to 30 years
Land Types We Finance
From raw acreage to improved lots, we provide financing for all types of land purchases across California.
Residential Lots
Improved lots ready for home construction with utilities and road access
Raw Land
Undeveloped land without utilities, requiring infrastructure development
Recreational Property
Land for recreational use, cabins, or weekend retreats
Agricultural Land
Farmland, ranches, and agricultural property for production or investment
Development Land
Commercial or residential development sites with subdivision potential
Improved Lots
Lots with partial improvements like utilities, roads, or grading
Land Loan Programs
Specialized loan programs designed for different land types and development timelines.
Improved Lot Loans
Lots with utilities, roads, and ready for construction
Get RatesRaw Land Loans
Undeveloped land without infrastructure or improvements
Get RatesRecreational Land
Vacation property, cabins, hunting, or recreational use
Get RatesAgricultural Land
Working farms, ranches, vineyards, and agricultural operations
Get RatesDevelopment Land
Land intended for subdivision or commercial development
Get RatesOwner-Financing Bridge
Bridge financing until permanent land loan approval
Get RatesKey Land Loan Factors
Important considerations that affect land loan approval and terms.
Utilities
High ImpactWater, sewer, electric access significantly affects loan terms
Road Access
CriticalPublic road access or recorded easement required
Zoning
EssentialCurrent zoning must allow intended use
Environmental
RequiredEnvironmental clearance may be needed
Development Potential
Value DriverFuture development potential affects loan amount
Market Conditions
ModerateLocal land values and demand influence terms
Active California Land Markets
Popular regions for land purchases and development across California.
Central Valley
High ActivityInland Empire
Very High ActivityNorthern California
High ActivityCoastal Areas
Moderate ActivityLand Loan Requirements
Land loans have specific requirements related to the property characteristics, access, and intended use of the land.
Land Buyer Pro Tip
Properties with utilities nearby and proper access get the best loan terms. Development potential and zoning compliance are key factors in approval.
Get Your Land Loan Quote
Financing for all types of California land
Land Loan Process
Our specialized land loan process ensures thorough evaluation of the property and your financing needs.
Property Review
Evaluate land type, access, utilities, and development potential
Application & Pre-Approval
Submit application with property details and financial documentation
Appraisal & Due Diligence
Professional appraisal, survey, and environmental review if needed
Closing
Finalize loan documentation and close on your land purchase
Land Loan Frequently Asked Questions
Why do land loans require higher down payments?
Land loans carry higher risk than traditional mortgages since there's no structure as collateral. Higher down payments reduce lender risk and demonstrate borrower commitment to the purchase.
Can I convert my land loan to a construction loan?
Yes! Many borrowers start with a land loan then convert to a construction loan when ready to build. This provides a seamless financing solution from land purchase through home completion.
What's the difference between raw land and improved lot loans?
Improved lots have utilities, road access, and are building-ready, typically requiring 25-35% down. Raw land lacks infrastructure and requires 35-50% down due to additional development costs and risk.
Do you finance land for investment purposes?
Yes, we finance land for investment, development, recreation, and personal use. Investment land may require higher down payments and have different qualification criteria.
Ready to Purchase Your California Land?
From raw acreage to improved lots, we provide specialized land financing with competitive terms and expert guidance throughout the process.
Related Content
Land Loans for California Builders
Specialized financing options for raw land purchases.
Construction-to-Permanent Loans Guide
Transition your land loan to permanent financing for new construction.
Construction Loans
Build your dream home with our construction financing options.