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

Explore and compare options among 732 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.



  • UNIFIED HOME LOANS
  • 2270 DOUGLAS BLVD STE 215, ROSEVILLE, CA, 95661
  • With decades of experience, the key to our success has been a combination of consistently offering the lowest possible interest rates at the lowest cost. Above all, providing outstanding customer service. We take pride in treating our clients with honesty, integrity and honesty.
  • WTR LOAN FUND
  • 1860 Sierra Gardens Dr, Suite 912, Roseville, CA, 95661
  • WTR FUND is a Smart, Established, Private Money lender. We loan on Non owner occupied properties including: Rentals, Fix & Flips, Commercial Structures and Land in the Greater Sacramento region and California. We approve loans based on property equity not our borrowers Credit. We know our investors move quick and so do we.
  • West Coast Lending Team
  • 775 Sunrise Ave. #150, Roseville, CA, 95661
  • West Coast Lending Team For purchase or refinance home loans, let us help you find the best deal in the least amount of time. With our focus on great customer service, integrity, and fast processing system, we make home loans convenient and transparent for you and alos our Our fast and dedicated team will find you the best deal.
  • Catalyst Mortgage
  • 3013 Douglas Blvd. Ste 135, Roseville, CA, 95661
  • Catalyst Mortgage specializes in Residential Mortgage Lending; We offer home loan products including but not limited to Conventional, FHA, VA, USDA, 203K Home Loan Products. We are Licensed in California and have been in business since 2005. Our staff has collective industry experience of over 50 years
  • Commercial Capital Funding
  • 2251 Douglas Blvd. Ste. 100, Roseville, CA, 95661
  • Commercial Capital Funding has listened to the concerns of Real Estate Agents and is out to change the real estate agent/ loan officer relationship. With a growing need for easier access to mortgage loans and a desire for faster closings we are quickly addressing the needs of both the real estate professional and the borrower.
  • Home Loans With Steve
  • 1115 Stratford Ave. Suite D, Dixon, CA, 95620
  • After completing my degree in finance at the University of Connecticut, I started in the mortgage business right out of college in 2004. With 13+ years of experience and a primary objective of thoroughly explaining all available loan options to my clients with what is typically the largest investment in their lives.
  • Golden Bay Mortgage Group
  • 1143 N. Market Blvd Suite 1, Sacramento, CA, 95834
  • Our company was built from opportunity. Much of our time in the mortgage industry has been rough seas and waves of changes and regulations. Now times have changed and the importance of home ownership is again an opportunity for all. Our intention is to provide a place where our customers can feel secure
  • Capitol Direct Lending
  • 6524 Lonetree Blvd., Rocklin, CA, 95765
  • From affordable loans for first-time home buyers to traditional fixed and adjustable rate mortgages to jumbo loan amounts that accommodate upscale financing, we offer a wide variety of financing options. You can count on our extensive resources, capabilities, and expertise to provide the right home loan for you.
  • West Coast Mortgage Co, Inc.
  • 625 Throckmorton Ave, Mill Valley, CA, 94941
  • West Coast Mortgage Co has been a staple to the San Francisco and Bay area since 1995. Owner Brad Schauer used his extensive experience in real estate sales to create a personalized mortgage brokerage focused on the client’s success and satisfaction. Brad understands that each mortgage is different,
  • Imperial Mortgage & Real Estate Services
  • 4455 Gambah Drive, Auburn, CA, 95602
  • Imperial Mortgage & Real Estate Services has been serving clients in the Sierra Foothills for over 30 years. As both a Licensed Mortgage Broker and Realtor, Keith brings a unique set of skills to his clients. Keith has also been certified by the National Association of Realtors as a Seniors Real Estate Specialist.
  • Preferred Mortgage Partners
  • 851 Irwin Street, Suite 100, San Rafael, CA 94901, San Rafael, CA, 94901
  • Private Money Loans - Bridge - Cross Collateral - Fix & Flip - Land Loans - Foreign Nationals - No Income. We are local and specialize in providing fast and creative financing options for residential properties all over the Bay Area, whether you want to; Acquire a new home before selling your existing property. Tap into the equity of your existi