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Lot & Land Loan Programs:

Loans for Residential & Commercial Lots

Portfolio

A finished lot gives the lender more comfort, as it is another step closer to being ready for a new home (the preferred form of collateral for most residential lenders).


Clear Lending offers land and lot mortgage loan programs of a minimum of $350,000 that might be right for you (we do not offer loans lower than $350,000).

Our land and lot mortgage loan programs allow borrowers to obtain financing to purchase land or lots for residential and/or commercial use.

While each loan is underwritten on a case-by-case basis land is financed up to 65% loan-to-value of the sales contract or appraised value whichever is lower and lots used for commercial use or residential other than primary occupancy reasons is 75%.

Lots with water and electricity connections and intended for a primary residence can be financed up to 90% loan-to-value of the sales contract or appraised value whichever is lower.

 

Don't wait any longer and find out how much you can get Pre-Approved for.

Whether you are considering purchasing land or a lot, 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. Programs 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:

  • Rosa Iraheta • March 28, 2018

    Joan has help many of my clients to get their loans, he is very professionals and helpful, and always available for any questions that me or my clients had during the loan process. One of my client was in DACA program and Joan help him to get his loan. I will recommend Joan and his team . Thanks you

  • Gerardo & Brenda Olivares • May 07, 2014

    Joan,

    Thank you SO much for all of your help! You were very patient with us and made sure we understood every step of the way. We never thought we would be able to find our perfect home this soon! We are still in shock how fast you’ve worked and how you were looking out for OUR best interests and not the other way around.

    Thank you for caring in what you do, it really makes a difference when you’re working with someone that really cares and enjoys what they do. Thanks again! We will definitely make sure to send anyone looking into a home your way!

    Gerardo & Brenda Olivares

  • Janeka Gilliam • November 25, 2018

    FROM GOOGLE: My experience with Joan and his team was absolutely WONDERFUL! They are all great at what they do! Joan is the best there is, no lie! He really knows the business & the entire process inside and out. He makes the entire process from beginning to close, easy for you! After being told by lender after lender that my husbands credit score was not high enough for a low rate, and being quoted these ridiculously high rates, we were exhausted with the whole thing and about ready to give up. But, then I ran across Clear Lending and Joan told us that was no problem and offered us the best rate that no other lender would even think of offering! From day one, he was available anytime I needed him, & he never made me feel like I was bothering him. He always had time and answered every question that I had. Joan is honest, to the point, & very helpful! I would definitely use him & his team again, and I highly recommend Clear Lending to anyone who wants to buy a home! They are truly the BEST!!!

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