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 Raw Land Financing

$1,000,000.00 - $50,000,000.00

Raw Land Financing

Nationwide financing on multi-million-dollar real estate transactions with fast closings! 

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Funding Available Nationwide 

Financing for raw land with a minimum loan amount of $1,000,000.00 up to $50,000,000.00.  Financing available for acquisition, development, refinance and refinance cash out.

Seller Held Financing Allowed

For most transactions, seller held financing and 2nd mortgage financing is allowed.  Minimum 10% - 20% borrower contribution required for purchase transaction.  

General Funding Guidelines

Program Highlights

Loan amounts $100,000,000.00 – $50,000,000.00!

No Prepayment Penalty!

Flexible loan terms up to 3 Years!

Close in about 30 days with clear title!

Up To 50% LTV!

Fast Preliminary Review Of Deal Scenario

No personal income and no employment verification!

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Loan Amounts​

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  • Minimum loan amount is $1,000,000.00. 

  • Maximum loan amount is $50,000,000.00.

Interest Rate Range

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  • Interest rates typically range from 12% – 15%.

All Types Of Raw Land  Scenarios Qualify

Our land loan is perfect for borrowers who are interested in buying or refinancing land, whether raw, unimproved or improved, because it allows time to change the zoning, get entitlements approved or secure construction financing.

Seller Held Financing Allowed

 

For most transactions, seller held financing is allowed OR 2nd mortgage financing.  Borrower must contribute a minimum of 10% - 20% down payment to a purchase transaction.  

Seasoning On Title Requirement

 

For Refinance:  Must be on title for a minimum of 12 months prior to closing.

Title Vesting

 

​​Closing must be executed in the name of a business entity (LLC, S-Corp, C-Corp).

DUE DILIGENCE REQUIREMENTS:  Environmental, Survey, Title & Property Appraisal

 

To close a commercial loan, the following will be required:

  • Phase I Environmental.  If there are issues identified in Phase I, a Phase 2 Environmental will be required.

  • Property survey completed within the last six (6) months

  • Full Property Appraisal

  • Clear Title

Loan Commitment Fee

 

A loan commitment fee is always required on any commercial property financing transaction.  Commitment fee is ONLY QUOTED AFTER REVIEWING THE DETAILS OF THE TRANSACTION.

Required Documents For Underwriting Approval

 

  • Clear and legible copy of government issued ID (all members of business entity)

  • Copy Of IRS EIN Letter

  • Copy of Articles of Organization for LLC or Incorporation for a Corporation (if applicable)

  • Copy of Operating Agreement for LLC or Corporate Charter/Bylaws for Corporation

  • Copy of current lease agreement(s) (if applicable)

  • For Refinance:  Copy of current mortgage statement

  • For Refinance:  Copy of HUD Settlement Statement from acquisition of property

  • For Refinance:  Copy of current homeowners’ insurance policy

  • Phase I Environmental Report

  • Property survey (issued within last six 6 months)

  • Business Entity – Certificate Of Good Standing (issued within last 30 days from Secretary Of State)

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