Open rural land at golden hour in New York's Capital Region
Home  /  Loan Programs  /  Land & Lot Loans
Land & Lot Financing

Got land?
Let's fund it.

Whether you're planting roots for a future build or securing acreage before someone else does, I finance vacant land across the Capital Region - when others won't. Two paths, your choice.

Vacant land & building lots
Loans up to $1.2M
Financing when others say no
Buy the land now, build when you're ready

Two ways to buy your land

Big banks shy away from vacant land. I don't. Pick the down payment and term that fit your plan - or let the calculator pick for you.

Option 1
Own it faster, less down
  • Down payment20%of the land price
  • Loan term10 yrfixed rate
  • Loans up to$500Kresidential land
Best when you want the smallest cash outlay and a shorter payoff. Holds title in your name, an LLC, or tenancy-in-common. Own funds only.
Option 2
Bigger loans, longer terms
  • Down payment25%of the land price
  • Loan termUp to 30 yrlower monthly
  • Loans up to$1.2Mmore land types
Best when you want the lowest monthly payment or a larger parcel. Gift funds & seller concessions allowed.
A future dream home Raw & vacant land Recreational acreage Building lots
No guessing required

Not sure which one
suits you best?

Answer a few quick questions and my Number Crunch calculator will point you straight to the land loan that fits - Homestead or Frontier - with a real estimated payment. It opens right on Land, so you don't even have to think about it.

See which one fits me → Or just call: 518-396-7392
Sixty seconds · no email required · estimate only
Print flyer Got Land? land loan flyer - The Homestead and The Frontier programs
Prefer paper? Download the flyer (PDF) →