Texas hard money loans # Land and Ranch Loans Hard money for Texas farm land, ranch land, and undeveloped land purchases. Raw land and rural areas are OK, with no prepayment penalty and terms from 6 to 24 months. [Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) Rate Starting at 12% Loan amount $50,000 - $2,500,000 Term 6 to 24 month initial term Last updated August 4, 2026 ## What is a raw land loan? A raw land loan is asset-based financing secured by undeveloped or unimproved land, including farm and ranch tracts. Because land is harder to value and slower to sell than built property, leverage is more conservative and a clear exit plan matters more. ## Farm, ranch, and acreage financing for investors Rural land in Texas is mostly financed by Farm Credit lenders and local banks, and they are good at what they do. What they are set up for is the agricultural operator: someone farming or running cattle, documenting income from the land, borrowing against an operation. If you are buying acreage as an investment, that underwriting does not describe you, and the answer is often no for reasons that have nothing to do with the deal. We read acreage as an asset. Co-founder [Kody Fain](https://cedartoplending.com/team/kody-fain/) spent six years in commercial and agricultural banking before Cedar Top, so the collateral conversation here is not a stretch for us. We fund farm land, ranch land, undeveloped land, and lots across Texas, on non-owner-occupied investment property. Two things decide most land files. The first is leverage: you can borrow up to 65% of market value, which is lower than what we lend on an improved property, because land is slower to move if the exit does not go to plan. The second is legal access. A parcel without recorded access is hard for anyone to support, and it is the single most common reason a land deal we like still does not work. Check that before you go under contract. Land also carries differently than a flip. There is no rent and usually no rehab draw to time, so your holding cost is interest plus taxes, and your exit is a sale, a build, or a refinance. Run the carry over the months you actually expect to hold it in the [hard money loan calculator](https://cedartoplending.com/resources/hard-money-loan-calculator/), and if the plan is to build on it, see [new construction](https://cedartoplending.com/hard-money-loans/new-construction/), which is how most of our land borrowers eventually take the next step. We are especially active on acreage in the counties around Fort Worth and out the I-20 corridor: [Parker](https://cedartoplending.com/service-areas/weatherford/), [Palo Pinto](https://cedartoplending.com/service-areas/mineral-wells/), [Young](https://cedartoplending.com/service-areas/graham/), [Eastland](https://cedartoplending.com/service-areas/eastland-county/), and [Brown](https://cedartoplending.com/service-areas/brownwood/) counties among them. For what a file looks like start to finish, read [raw land loan requirements in Texas](https://cedartoplending.com/blog/raw-land-loan-requirements-texas/). ## Terms snapshot Rate Starting at 12% Points / origination Origination fee of 2% to 4% Doc fee $995 Document Fee Loan amount $50,000 - $2,500,000 Term 6 to 24 month initial term Max leverage Borrow up to 65% of market value Payments & fees Interest only payments · No prepayment penalty · Lenders title policy required Property types Farm land, Ranch land, Undeveloped / raw land, Lots Owner-occupied Not eligible - investment / non-owner-occupied only ## Sample raw land deal Purchase price $400,000 Acreage 40 acres Requested loan amount Up to ~$260,000 (max 65% of value) Term 12-24 months Monthly interest estimate Interest-only on the balance Exit strategy Develop, subdivide, sell, or refinance once entitled or improved. Illustrative only. Not a quote or a commitment to lend. ## How funding works 1. 1 ### Share the deal Send the parcel, acreage, access, utilities, and your plan. 2. 2 ### Underwriting review We review access, utilities, survey/title, land use, and exit. 3. 3 ### Term sheet Term sheet outlines leverage, rate, points, and term. 4. 4 ### Title Title and survey review with your title company. 5. 5 ### Close Closing and funding in a single advance. ## Documents we may ask for Every deal is different. Depending on the property and how it's structured, we may ask for more than this, sometimes a lot more. - Executed purchase contract - Entity formation documents - Government-issued ID - Survey (if available) - Title commitment - Land-use / development plan - Exit strategy ## What we can't fund - Owner-occupied / primary residence request - Property located outside Texas - Unresolved title issues - Unsupported or unrealistic ARV - Weak or undefined exit strategy - Insufficient documentation - Unsupported property type - No legal access to the parcel - No survey or unresolved boundary issues ## Frequently asked questions ### What land types do you consider? Farm land, ranch land, or undeveloped land purchases. Raw land and rural areas are OK. Non-owner-occupied, in Texas. ### How much can I borrow against the land? You can borrow up to 65% of market value. A lenders title policy is required. ### Do you lend on landlocked parcels? Legal access is an important underwriting factor. Parcels without access are difficult to support. ## Texas markets we serve ### North Central & West Texas - [Abilene](https://cedartoplending.com/service-areas/abilene/) - [Bowie](https://cedartoplending.com/service-areas/bowie/) - [Bridgeport](https://cedartoplending.com/service-areas/bridgeport/) - [Brownwood](https://cedartoplending.com/service-areas/brownwood/) - [Decatur](https://cedartoplending.com/service-areas/decatur/) - [Eastland County](https://cedartoplending.com/service-areas/eastland-county/) - [Graham](https://cedartoplending.com/service-areas/graham/) - [Granbury](https://cedartoplending.com/service-areas/granbury/) - [Jacksboro](https://cedartoplending.com/service-areas/jacksboro/) - [Mineral Wells](https://cedartoplending.com/service-areas/mineral-wells/) - [Stephenville](https://cedartoplending.com/service-areas/stephenville/) - [Weatherford](https://cedartoplending.com/service-areas/weatherford/) ### Central Texas - [Hillsboro](https://cedartoplending.com/service-areas/hillsboro/) ### Northeast & East Texas - [Canton](https://cedartoplending.com/service-areas/canton/) - [Cedar Creek Lake](https://cedartoplending.com/service-areas/cedar-creek-lake/) - [Gilmer](https://cedartoplending.com/service-areas/gilmer/) - [Greenville](https://cedartoplending.com/service-areas/greenville/) - [Lake Fork](https://cedartoplending.com/service-areas/lake-fork/) - [Mount Pleasant](https://cedartoplending.com/service-areas/mount-pleasant/) - [Sulphur Springs](https://cedartoplending.com/service-areas/sulphur-springs/) [View all Texas service areas](https://cedartoplending.com/service-areas/) ## Apply for Texas Land and Ranch Loans We underwrite in house, so you get a straight answer on your deal fast. [Apply Now](https://cedartoplending.com/apply/) [Get a Quote](https://cedartoplending.com/contact/) [Call 817-984-3129](tel:+18179843129) --- Canonical URL: https://cedartoplending.com/hard-money-loans/land-and-ranch/