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Land Loan Program

Purchase or Refinance To Cash Out Equity

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Are you looking to buy the lot where you want to build your dream house? Or maybe you already own the lot and need to lower the interest rate or simply need to cash out some equity? Read program details.

Clear Lending offers a Land Loan Program that might be right for you


Our Land Loan Program allows borrowers to purchase land to build the dream house or to refinance land already owned to lower current interest rate or simply cash out some equity. 


The following is a breakdown of our Land Loan Program:

Purchase:

Refinance:

Minimum loan amount of $100k; Maximum loan amount of $865k
Max loan term is 20 yearsWe will pull only TransUnion credit. 
Rates are as low as 9.865% 
No prepayment penalties
No gift funds allowed

The land cannot be zoned commercial or industrial and can’t be for commercial use. We will accept residential or agricultural zoning, and the land use can be any of the following:  

Do not wait any longer and find out how much loan you can get Pre-Approved.

If you need a First Time Home Buyer Loan Program in Houston, Clear Lending can help you. Simply complete our secure and encrypted Pre-Approval Form online, and we will contact you right away to review the best options for you.

Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Program rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.

Customers Reviews:

  • Blanca Perez • August 21, 2020

    Our experience with Clear Lending was undoubtedly one of the best. At first, we thought it was impossible to buy a house, but with the help of Joan and his team, our dream came true. If in doubt call them they are always available. Even a friend who was in my case already got her first home. THANK YOU!!!

  • Jerald Sidney • October 12, 2016

    Joan, you are the man with miracle hands! I have really been enjoying my new home. It was a long time coming and it happened right on time. Thanks to you, this whole process was phenomenal. The closing went smooth with no problems. I appreciate the professionalism, the hard work, and the late hours. I would highly recommend your services. Again, thank for everything!

  • Zulma Y Carlos • May 14, 2016

    Gracias Sr. Gallardo por realizarnos nuestro sueno de tener nuestra propia casa, por asignarnos un buen realtor, apreciamos todo el tiempo que ud dedico para obtener el mejor de los creditos y el mejor interes para nosotros, pocas personas encontramos como ud. totalmente dedicado y enfocado a darnos el tiempo necesario en cualquier momento y hora, son una mortgage totalmente seria, nosotros lo recomendamos 100% Dios le bendiga siempre.

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