Lenders using AI on vacant land in Phoenix, AZ 2026!

Explore and compare among 288 land loan lenders operating in Phoenix, AZ.

The average cost per acre of land in AZ is $46,613. The Loan-to-Value (LTV) for undeveloped land ranges from 17.51% to 63.35%, while for developed land in AZName, the estimated LTV is between 37.00% and 76.13%.

The actual value and loan-to-value of any land depend on its location, size, topography, zoning, and any entitlements made to the land.

Discover your land loan options and the best rates by contacting the premier land loan lender in Phoenix, AZ.

Evaluate loan offers from 100 lenders

The Magic Land Loan Calculator

With Lendersa® AI technology, your loan request is instantly matched with hundreds of direct hard money lenders, fulfilling all your funding needs. Discover the best land loan rates today for financing any type of vacant land or land with construction in AZ.

Understanding Land Loans and Their Value

By avoiding unnecessary inquiries, you can maintain a healthy credit score. Secure preapproval for your land loan without providing your social security number or sensitive financial data.

Construction and blanket loans are essential parts of vacant land lending; you may qualify for 100% LTV financing if you agree to use additional property as security (blanket loan).

Is Hard Money Lending Available Nearby?

Locating a private investor through a local hard money broker significantly increases your chances of securing a loan. Land loans in Phoenix, AZ are often best managed by local lenders familiar with the area. Proximity between the investor and the property enhances the likelihood of loan approval and expedites the funding process.

Use the Lendersa® land loan calculator to find vacant land loan providers in zip codes 85008.



  • Cardinal Financial
  • 3701 Arco Corporate Drive, Suite 200,, Charlotte, NC, 28273
  • Lends in Arizona
  • At Cardinal Financial, we know mortgage lending is more than just loans—it's about helping people achieve their homeownership dreams. With a focus on listening, understanding your unique story, and customizing solutions, I provide a seamless experience from start to finish. Let’s work together to find the perfect loan and make your dreams a reality

  • Swigart and Company Capital Finance Group
  • 1966 Freedom Dr, Clearwater, FL, 33755
  • Lends in Arizona
  • I have 21 yrs experience in the space with 18 yrs specializing in Renovation/Construction Lending with more than 3000 renovation and construction fundings in my career. I'm VP of Renovation and Construction Lending for a mortgage bank, and also have my own commercial loan brokerage company. I have in depth experience with an extensive record of suc

  • Elevated Financial
  • 8270 Woodland Center Boulevard, Tampa, FL, 34685
  • Lends in Arizona
  • We are a Direct Hard Money Lender! We are experts at funding creative deals that other lenders wont! We fund residential and commercial deals. We offer 100% financing for residential fix and flip loans and can close quick! No appraisals required on most loans. Call us today for a loan quote!

  • Black Swan Lending
  • Lochlain Drive, Charlotte, NC, 28209
  • Lends in Arizona
  • Started by Austin Hegele. Black Swan Lending is a commercial loan brokerage. An asset-based, non-QM, private and hard money lender. We offer refinance loans, ground up construction loans, long-term rental and short-term loans, rental loans, fix and flip loans, bridge loans, transactional loans, and multifamily loans. We have developed incredible pa

  • REI Investment Capital LLC
  • 7014 Garden Terrace Ct, Charlotte, NC, 28210
  • Lends in Arizona
  • Easy Hard Money and Commercial Loans for investors. - Loan Types - Fix and Flips, DSCR, Portfolio, Bridge, Ground Up Construction, Multifamily bridge/value Add and Term loans and Commercial Loans. Property types - SFR, MF 1-4, MF 5+ units, Retail, Office, Strip Malls, Warehouse, Light Industrial, Mixed-use, Hospitality, Self-Storage and more.

  • Finance of America Commercial
  • 6230 Fairview Road, Suite 300, Charlotte, NC, 28210
  • Lends in Arizona
  • Finance of America Commercial provides single and portfolio rental term loans, Bridge loans, and fix-and-flip exposure limit loans to residential real estate investors across the country, helping borrowers overcome traditional financing hurdles and build long-term wealth through real estate investment.

  • LoanFlight Lending, LLC
  • 4343 Anchor Plaza Pkwy Ste 170, Tampa, FL, 33634
  • Lends in Arizona
  • "LoanFlight Lending is licensed by the U.S. Department of Housing and Urban Development as a Title II Mortgagee and a FHA approved licensed mortgage lender.
    Here at LoanFlight Lending, a privately held mortgage lender, we excel at the forefront of technology driven mortgage marketing and origination. Using vast national experience,"

  • Dozcon Investment Group LLC.
  • 4105 Regency Dr., Indian Trail, NC, 28079
  • Lends in Arizona
  • Dozcon Investment Group is a premier Residential Lender for Non-Owner-Occupied Investment Properties offering transparent and stress-free Funding

    We offer financing solutions for fix & flip real estate investors

    As a Lender for Real Estate Investors we do most of the leg-work for you while you build up your Real Estate Portfolio and cash-flo

  • LoanLocker
  • 401 E Jackson St, Tampa, FL, 33602
  • Lends in Arizona
  • Introducing LoanLocker: where speed meets flexibility in private lending. We specialize in funding both residential and commercial projects swiftly and efficiently. Ideal for investors and developers, our custom solutions are designed to meet diverse needs. With expert guidance and personalized services, LoanLocker ensures your projects are funded

  • LoanLocker
  • 401 E Jackson St, Tampa, FL, 33602
  • Lends in Arizona
  • Experience the speed and reliability of LoanLocker, a leading direct lender based in Tampa. Specializing in nationwide residential and commercial bridge loans, we offer tailored lending solutions including DSCR and ground-up construction for residential needs, along with mobile home and multifamily living assets for commercial ventures. Discover sw