Texas hard money loans
Raw Land 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.
Rate
Starting at 12%
Loan amount
$50,000 - $2,500,000
Term
6 to 24 month initial term
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.
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
- 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 a deal usually moves
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Share the deal
Send the parcel, acreage, access, utilities, and your plan.
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Underwriting review
We review access, utilities, survey/title, land use, and exit.
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Term sheet
Term sheet outlines leverage, rate, points, and term.
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Title
Title and survey review with your title company.
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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
Common reasons a deal may not fit
- 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
Central Texas
Northeast & East Texas
Fund your next raw land deal
Send us the property and the numbers. We underwrite in-house, so we can get back to you fast.