Land loan lenders for Phenix-City, AL AI 2026!

Choose and compare from among 269 land loan providers available in Phenix-City, AL.

In AL, the typical cost per acre of land stands at $25,412. The Loan-to-Value (LTV) ratio for undeveloped land varies from 16.37% to 50.46%, whereas for developed land in ALName, it lies between 36.09% and 75.16%.

The actual land value and its loan LTV depend on factors like its size, zoning, location, topography, and any existing entitlements.

Discover your land loan possibilities and the best rates by reaching out to the premier land loan lender in Phenix-City, AL.

Compare offers from 100 loan providers

The Magic Land Loan Calculator

Lendersa® utilizes AI technology to instantly align your loan request with hundreds of direct hard money lenders, addressing all your financing needs. Discover the optimal land loan rates today to fund any vacant land or land with construction in AL.

Land Loans and Their Value

Avoiding superfluous inquiries will safeguard your credit score. You can get pre-approved for your land loan without revealing your social security number or sensitive financial data.

Acquiring construction and blanket loans are essential in vacant land lending. You may qualify for 100% LTV financing if you agree to use additional property as collateral (blanket loan).

Is Hard Money Lending Nearby?

When you find a private investor through a neighborhood hard money broker, your chances of acquiring a loan improve significantly. Land loans in Phenix-City, AL might be best handled by local lenders who know the area well. A minimal distance between the investor and the property boosts loan approval prospects and speeds up the funding process.

Use the Lendersa® land loan calculator to discover vacant land loan providers in the zip codes 36869.



Phenix-City Land Loan Lenders

  • Friend Bank
  • 220 East Lawrence Harris Highway, Slocomb, AL, 36375
  • Lends in Alabama
  • Just about any bank can offer you a mortgage, a business loan, or Online Banking. We offer those services and many more. But at Friend, we offer something you can't find at just any bank: the loyalty, caring, and reliability you expect from a true friend. We're locally owned and managed, and all of our important decisions.

  • NobleBank & Trust
  • 1509 Quintard Ave, Anniston, AL, 36201
  • Lends in Alabama
  • At NobleBank, we are committed to providing the highest quality banking services with a friendly, family-oriented approach that helps both families and businesses in Central Alabama. It’s simple to open or switch your accounts to NobleBank, and our local bankers simplify the process by helping every step of the way.

  • Southern Independent Bank
  • 503 North Main St., Opp, AL, 36467
  • Lends in Alabama
  • In March of 2005, a group of local business leaders came together with a concept, blended with veteran bankers who shared the vision for a true community bank in Opp and Andalusia. From that initial meeting, Southern Independent Bank opened its doors for business in December of 2006, bringing to our markets a fresh and service-driven institution.

Also lends in Alabama

  • Stream Mortgage Group LLC
  • 3300 Benjamin E Mays Dr SW, Atlanta, GA, 30311
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Cornerstone Business Capital
  • 1445 Woodmont Lane Northwest #2204, Atlanta, GA, 30318
  • Cornerstone Business Capital

    Business financing 

    Cornerstone Business Capital empowers small businesses with fast, flexible funding solutions that keep cash flow strong and growth on track. Get growth capital with a straightforward process and supportive guidance. Call 404-476-1287 or visit cornerstonebusinesscapital.com for all lending products available.

  • Unlimited Funding
  • 1445 Woodmont Ln #309, Atlanta, GA, 30318
  • Unlimited Funding specializes in funding real estate properties that banks won't lend on for various reasons. Our clients desire asset based lending that allows them to purchase and refinance properties without the red tape, heavy documentation, and strict bank underwriting guidelines that kill many deals.

  • Mainspring Capital Inc
  • 650 Ponce de Leon Ave ste 300 #2135, Atlanta, GA, 30308
  • Founded by local real estate investors, Mainspring Capital provides hard money loans to investors for various real-estate projects. As a small local lender deploying our capital, we can close in as little as 48 hours to deliver much-needed capital for your real estate deals.

  • Real Asset Management Solutions LLC
  • 1858 Lavista Rd, Atlanta, GA, 30329
  • Real Asset Management Solutions LLC

    Asset Based Lending & Business Funding Solutions 

    Real Asset Management Solutions LLC helps investors & business owners get CRE Funding, self-employed mortgages, LOCs, term loans, working capital, startup loans & more.

    Contact finance@realassetmanagement.co to get started.

  • CLARITY ONE RICH GROUP LLC
  • 285 W WIEUCA RD NE 4294, ATLANTA, GA, 30342
  • **Unlock Your Financial Potential with CLARITY ONE RICH GROUP LLC**

    **About Us**
    Under expert leadership from Ezekiel Williams, CLARITY ONE RICH GROUP LLC focuses on personalized lending solutions, ensuring transparency and efficiency.

    **Our Commitment**
    We stand out by providing clarity in every transaction, making your financial aspiratio

  • Fund and Close
  • 290 Carpenter Drive Northeast, Sandy Springs, GA, 30328
  • Fund and Close, led by Mona Carter, empowers your real estate journey with 100% financing solutions, eliminating credit checks or income verification. Experience rapid, seamless closing processes tailored to your needs, making property investments accessible and hassle-free. Take the first step towards financial freedom with unmatched ease and effi