Land & Lot Loans

Land Loans for People With a Plan

Infill lots, build sites, and rural acreage. Banks don’t love raw land. We work with it every week.

Up to 70% LTV on the right deal. Strong deals get a fair look at almost any credit level.

The short answer

Raw land is the hardest thing in real estate to finance — no house, no rent, nothing for a traditional lender to hold onto. That’s exactly why it’s one of our regular conversations. Lawton Building and Loan finances lots and land across Texas and our other service states: infill lots for builders, acreage for a future home, land bought now to build on later, and land purchased together with construction in a single loan. What you can get depends on the land, the location, and what you’re going to do with it — so the first step is a real conversation, not a rate quote.

What we fund

• Infill lots — teardown and build sites inside the city, for builders and investors.
• Land for a future home — buy the dirt now, build when you’re ready.
• Land + construction together — one loan covering the lot purchase and the build (see our ground-up construction page for how those numbers work).
• Rural acreage — unrestricted land outside town, including land that will carry a manufactured or site-built home later.
• Investor land plays — parcels bought to hold, split, or develop.

Who this fits

• Builders who found the lot before they found the financing.
• Families buying acreage for a homestead they’ll build in stages.
• Investors accumulating lots ahead of a building run.
• Buyers rolling land and construction into one closing instead of two loans and two headaches.

The honest part

Land loans are not home loans. Expect a real down payment, and expect the terms to depend heavily on the specifics: utilities available or not, road frontage, flood plain, how fast you plan to build. The buyers who get land deals done come in with three things — money for the down payment, a clear plan for the property, and a realistic timeline. If you’ve got those, we can usually find the structure. If you’re buying land and building, you may be better off skipping a standalone land loan entirely and doing the land and construction in one loan — ask us before you close on the dirt.

How it works

1. Call or text (817) 862-6922. Where’s the land, what does it cost, and what’s the plan for it?
2. We sort the structure — standalone land loan, or land + construction combined — and tell you the real numbers for each.
3. Close on the dirt and get moving.

FAQ

How much do I need down on land? More than on a house — land is riskier collateral, and every program prices that in. The exact number depends on the parcel and your plan. Call with the specifics and we’ll give you a straight figure instead of a guess.

Can I finance land with no utilities and no road work done? Sometimes. Truly raw, unrestricted land is the hardest category, but it’s a category we work in. The plan and the down payment carry more weight on deals like that.

Should I buy the land first or finance it with the build? If you’re building soon, combining land and construction into one loan is usually cleaner and cheaper than two separate closings. If the build is a year or more out, a standalone land loan may make more sense. We’ll compare both.

Do you do land loans outside Texas? Our core land work is Texas. We lend in Florida, California, and Arizona as well, and on investment and commercial deals in most states — ask about your parcel.

What about farmland? Working farms and ranches are a different animal — see our farm & ranch lending page.

Start here

Call or text (817) 862-6922, or visit lawtonbuildingandloan.com.

Educational information only — not a commitment to lend. All loans are subject to credit approval, and programs change.

— Joel Lawton, Lawton Building and Loan, NMLS #380245