LOT AND ACREAGE LOANS

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A residential land loan is designed to help you purchase land for a future primary, secondary, or investment residence. Whether you are looking at a lot in a subdivision or acreage for your dream home, TruLuxe Capital connects you with lending partners who offer tailored options to meet your land loans needs.

ELIGIBLE LAND TYPES

- Improved Land: Utilities and road access in place

- Unimproved Land: Limited improvements; may require a higher down payment

- Raw Land: No utilities or access — available through select lenders only

LOAN OVERVIEW

- Property Type: Buildable lot or acreage (raw, improved, or ready-to-build)

- Down Payment: 20%–35% depending on land improvements

- Loan Terms: 5–20 years, amortized or balloon structures

- Credit Score: 640+ (stronger credit = better terms)

- Use of Funds: Purchase or refinance residential land financing

- Ownership: Borrower or entity (LLC) accepted by some lenders

- Interest Rates: Higher than traditional mortgage rates (due to collateral type)

ACREAGE LOANS 

1-500