Lenders using AI on vacant land in El-Centro, CA 2025!

Explore and compare options among 728 land loan lenders in El-Centro, CA.

The average cost per acre of land in CA is $37,165. The Loan-to-Value (LTV) for undeveloped land ranges from 17.00% to 57.61%, while for already developed land in CAName, the estimated LTV falls between 36.59% and 75.69%.

The actual value and loan LTV for any land depend on its location, size, topography, zoning, and any entitlements applied to the land.

Discover your land loan options and current rates by reaching out to the leading land loan lender in El-Centro, CA.

Review loan offers from 100 lenders

The magical land loan calculator

To satisfy all your hard money lending needs, Lendersa® AI technology will promptly match your loan request with hundreds of direct hard money lenders. Find the best land loan rates today for financing any vacant land or land plus construction in CA.

Land loans and their impact on value

Unnecessary inquiries can lower your credit score. Obtain pre-approval for your land loan without needing to provide your social security number or any sensitive financial information.

Construction loans and blanket loans are integral to vacant land lending; you may qualify for 100% LTV (Loan-to-Value) financing when additional property is pledged as security (blanket loan).

Local hard money lending options?

Your chances of securing a loan increase significantly when you find a private investor through a local hard money broker. Land loans in El-Centro, CA are most effectively managed by local lenders familiar with the area. A shorter distance between the hard money investor and the property boosts approval odds and speeds up the funding process.

Utilize the Lendersa® land loan calculator to identify vacant land loan lenders in zip codes 92243, 92244.



  • Premier Lending & Real Estate
  • 645 Fourth Street Suite #215, Santa Rosa, CA, 95404
  • We offer Wholesale Mortgage Rates from Top Mortgage Lenders designed to meet your Mortgage Needs. We guarantee the lowest rates & costs available. Buying or Selling a house can be daunting. We can help you from start to finish and guide you throughout the entire process. We'll take the mystery and difficulty out of it for you.
  • Ryan Mortgage Co
  • 2129 Fourth Street, Santa Rosa, CA, 95404
  • We have provided service to thousands of customers arranging a variety of real estate loans – residential, multi-family, land, reverse mortgages, construction and commercial. We take the time to get to know your needs and goals and match those to the hundreds of loan programs at our disposal.
  • Cypress Financial
  • PO Box 9418, Santa Rosa, CA, 95405
  • Cypress Financial Mortgage & Investments, Inc. has its headquarters in Santa Rosa California, the heart of the California wine and telecom industries. Cypress Financial is a full service mortgage brokerage providing mortgages to families and individuals for many years. We provide loans for residential.
  • BaySierra Financial, Inc.
  • 1410 Neotomas Ave., Suite 106, Santa Rosa, CA, 95405
  • BaySierra Financial, Inc. (“BaySierra”) is a licensed California real estate broker specializing in the business of arranging, funding, selling, purchasing and servicing trust deed investments secured by California real property for its private investors and its own account. BaySierra was formed in 2000
  • California Home Loans
  • 131-A Stony Circle #501, Santa Rosa, CA, 95401
  • California Home Loans based in Santa Rosa, California. America's Home Loans is a low fee, low interest rate mortgage lender since 2003, with the best 30 yr and 15 yr mortage interest rates for a refinance home loan or purchase home loan. We lend on residential mortgages on single family homes, condominiums and more
  • Sun Pacific Mortgage & Real Estate
  • 800 Mendocino Ave., Suite #2, Santa Rosa, CA, 95401
  • Sun Pacific Mortgage is a family owned business in Sonoma County that my wife and I started way back in 1988. Right from day one, our aim was to help real estate home owners and buyers, by offering alternative financing for those who had been turned down elsewhere. Our Hard Money loans rescue with mortgages funded by private individuals
  • Redwood Trust Deed Services
  • 3550 Round Barn Boulevard, Suite 203, Santa Rosa, CA, 95403
  • Redwood has steadily grown through referrals from clients, title companies, and attorneys. Redwood is an active member of the United Trustee's Association (UTA, formerly California Trustee's Association) and California Mortgage Association (CMA). Robert Cullen is a former member of the Board of Directors for the United Trustee's Association.
  • First Priority Financial
  • 3510 Unocal Pl. Ste. 103 104 105, Santa Rosa, CA, 95403
  • Caliber Home Loans, Inc. (NMLS# 15622) is a full-service national mortgage lender and agency direct seller/servicer. Caliber originates loans through various channels and transaction types, including a network of retail branches, wholesale lending, and correspondent lending.and a consumer-direct centralized operation
  • WayLend
  • 1320 19th Hole Dr #205, Windsor, CA, 95492
  • We are a full service direct lender/mortgage broker with the ability to assist our clients obtain a home loan anywhere in the State of California. Our greatest assets are our loan officers, with over a century of collective experience, as well as a full in-house processing staff.
  • Black Square
  • 807 E. South Temple, Salt Lake City, UT, 84102
  • Black Square was founded in 2009 to fill financial gaps in the real estate marketplace resulting from the collapse of the global financial markets. The principals of Black Square have in depth experience gained from purchasing, rehabilitating, renting and selling 1000's of single family homes for over 35 years.
  • Black Square
  • 807 E South Temple Suite 200, Salt Lake City, CA, 84102
  • Black Square was founded in 2009 to fill financial gaps in the real estate marketplace resulting from the collapse of the global financial markets. The principals of Black Square have in depth experience gained from purchasing, rehabilitating, renting and selling 1000's of single family homes for over 35 years