Who it’s for
- Buyers with a clear use for the parcel: build soon, hold, recreational, or ag.
- People shopping a buildable lot with access and utilities in mind — or raw acreage who understand the risk story is different.
- Anyone who was told “FHA will do the land” — FHA does not finance vacant land alone.
How I help
Land and lot loans are not home mortgages. Collateral is harder. Fewer national programs. Purpose drives the box. Financing often lives with local/regional banks, credit unions, and portfolio specialists.
I’ll walk you through the program and the guidelines that apply to your situation — lot-to-build vs construction-to-perm (construction) vs pure vacant hold. If the story is really a house on acres, a residential program may fit better. Ag operations lean farm and ranch. USDA home loans are a map + house story — USDA — not vacant dirt.
What to expect
Parcel (APN/address), intended use, and timeline. Survey and utility status help when you have them. I won’t print a national down-payment chart.
Next step
Apply or talk. We’ll figure out which lane fits — residential lot, specialty land, construction sequence, or an ag/commercial fork — together.
Purchase, refinance, and most programs: Apply opens my Bevri application. Prefer to talk first? Use Talk to Michael. I’ll walk you through the program and the guidelines.