Land loan lenders for Encinitas, CA AI 2025!

Explore and compare a selection of 729 land loan lenders operating in Encinitas, CA.

In CA, the average price per acre of land is $189,503. The loan-to-value (LTV) ratio for undeveloped land typically ranges from 25.21% to 150.27%, while for developed land in CAName, it is estimated to be between 43.12% and 82.64%.

The real value and LTV of land are contingent on its location, size, topography, zoning, and any entitlements present on the land.

To learn about your land loan options and rates, reach out to the premier land loan lender in the state of Encinitas, CA.

Compare offers from one hundred lenders

The Magic Land Loan Calculator

Lendersa®'s AI technology ensures that all your hard money lending requirements are met by promptly aligning your loan request with hundreds of direct hard money lenders. Discover the best land loan rates available today to finance any vacant land or land with construction in CA.

Understanding Land Loans and Land Value

To protect your credit score, avoid unnecessary credit inquiries. You can be preapproved for a land loan without providing your social security number or sensitive financial information.

Vacant land lending often involves construction and blanket loans, potentially qualifying you for 100% LTV (Loan to Value) financing if you pledge additional property as security (blanket loan).

Hard Money Lending Near You?

By identifying a private investor through a local hard money broker, your likelihood of securing a loan increases substantially. Land loans in Encinitas, CA are optimally handled by local lenders familiar with the area. A shorter distance between the investor and property improves approval chances and expedites funding.

Use the Lendersa® land loan calculator to find vacant land loan lenders in zip codes 92007, 92075, 92024, 92023.



  • America's Home Loans
  • 11 Petaluma Blvd Suite 206, Petaluma, CA, 94952
  • America's Home Loans, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders
  • Tracey Financial Group, Inc.
  • 2 E Street, Santa Rosa, CA, 95404
  • Tracey Financial Group, Inc is a full service mortgage brokerage providing mortgages to families and individuals. We provide loans for residential and commercial real estate purchases and refinances. We also provide debt consolidation loans as well as construction, investment and multi family loans.
  • McCormick & Co. Homes and Loans
  • 101 E. Street, Suite 101, Santa Rosa, CA, 95404
  • Martin B. McCormick, with over 35 years of experience in banking, finance and real estate; founded McCormick & Co. Homes and Loans in 2007. His goal was to develop a solution-based operation to help consumers and fellow professionals, obtain financing to acquire real estate for home ownership and/or business purposes.
  • Peterson Lending Group
  • 100 E Street Suite 201, Santa Rosa, CA, 95404
  • Purchase and Refinance Loans. Excellence in Service, Integrity and Product Knowledge is vital in your Mortgage Professional......Experience the Difference. Allow us to take this opportunity to introduce Peterson Lending Group. Our team provides a hands-on mortgage lending service which includes financing of residential and commercial properties.
  • 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