A land loan is a type of financing used to purchase raw or undeveloped land. Unlike traditional mortgages, land loans are typically shorter-term and asset-based, making them ideal for real estate investors who plan to develop or hold land for future projects. Veristone Capital offers land loans across the Western United States with fast approvals and flexible terms.

Who qualifies for a land loan from Veristone Capital?

Veristone Capital lends to individual investors and entities such as LLCs. Because our loans are asset-based, we focus primarily on the value of the land and the strength of the deal rather than traditional credit metrics. Prior experience is helpful but not always required.

What are typical interest rates on a land loan?

Interest rates on land loans are generally higher than traditional mortgages because raw land carries more risk for lenders. At Veristone Capital, rates vary based on the deal structure, loan-to-value ratio, and borrower experience. Contact us for a current rate quote tailored to your specific project.

How much can I borrow for a land purchase?

Veristone Capital offers land loans starting at $100,000 and up, depending on the appraised value of the property and the planned use. Maximum loan-to-value ratios are typically lower for raw land than for improved properties, so a larger down payment or equity position may be required.

How fast can Veristone Capital close on a land loan?

One of the key advantages of working with a private lender like Veristone Capital is speed. We can often close land loans in as little as 5 to 10 business days, compared to 30 to 60 days at a traditional bank. This speed gives investors a competitive edge when securing land deals.

What types of land does Veristone Capital finance?

We finance a variety of land types including residential lots, infill parcels, and land slated for subdivision or development. The key factor is a clear exit strategy — whether you plan to build, subdivide, or resell the land. We evaluate each deal individually to find a structure that works.

How is a land loan different from a construction loan?

A land loan finances the purchase of the lot itself, while a construction loan funds the building process on that lot. Many investors use a land loan first to secure the property, then transition to a construction loan when they are ready to build. Veristone Capital can help structure both phases of your project.

Frequently Asked Questions About Land Loans

Land loans finance the purchase of raw or undeveloped land for investors who plan to build, subdivide, or hold for future development. Veristone Capital offers asset-based land loans with fast closings across the Western United States. Below are the questions we hear most from land buyers.

What is a land loan?: A land loan is a type of financing used to purchase raw or undeveloped land. Unlike traditional mortgages, land loans are typically shorter-term and asset-based, making them ideal for real estate investors who plan to develop or hold land for future projects. Veristone Capital offers land loans across the Western United States with fast approvals and flexible terms.
Who qualifies for a land loan from Veristone Capital?: Veristone Capital lends to individual investors and entities such as LLCs. Because our loans are asset-based, we focus primarily on the value of the land and the strength of the deal rather than traditional credit metrics. Prior experience is helpful but not always required.
What are typical interest rates on a land loan?: Interest rates on land loans are generally higher than traditional mortgages because raw land carries more risk for lenders. At Veristone Capital, rates vary based on the deal structure, loan-to-value ratio, and borrower experience. Contact us for a current rate quote tailored to your specific project.
How much can I borrow for a land purchase?: Veristone Capital offers land loans starting at $100,000 and up, depending on the appraised value of the property and the planned use. Maximum loan-to-value ratios are typically lower for raw land than for improved properties, so a larger down payment or equity position may be required.
How fast can Veristone Capital close on a land loan?: One of the key advantages of working with a private lender like Veristone Capital is speed. We can often close land loans in as little as 5 to 10 business days, compared to 30 to 60 days at a traditional bank. This speed gives investors a competitive edge when securing land deals.
What types of land does Veristone Capital finance?: We finance a variety of land types including residential lots, infill parcels, and land slated for subdivision or development. The key factor is a clear exit strategy — whether you plan to build, subdivide, or resell the land. We evaluate each deal individually to find a structure that works.
How is a land loan different from a construction loan?: A land loan finances the purchase of the lot itself, while a construction loan funds the building process on that lot. Many investors use a land loan first to secure the property, then transition to a construction loan when they are ready to build. Veristone Capital can help structure both phases of your project.

Tim Mushen

VP of Marketing and Technology

Disclaimer: Veristone Capital does not provide legal or financial advice. The information on this page is for general informational purposes only and should not be construed as legal, financial, or tax advice. Consult a qualified attorney, accountant, or financial advisor to evaluate your specific situation before making any investment or lending decisions.

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Frequently Asked Questions About Land Loans

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