Lenders using AI on vacant land in Goleta, CA 2025!

Explore and compare among 724 land loan lenders available in Goleta, CA.

In CA, the average cost for an acre of land is $159,473. The loan-to-value (LTV) for undeveloped land generally ranges from 23.59% to 132.00%, while for developed land in CAName, the LTV could fall between 41.83% and 81.27%.

The actual market value and loan LTV of any land depend on factors such as its location, size, topography, zoning, and any entitlements granted to it.

Identify your land loan options and current rates by contacting the leading land loan provider in Goleta, CA.

Check offers from 100 lenders

The incredible land loan calculator

Lendersa® employs AI technology to seamlessly match your loan request with numerous direct hard money lenders, ensuring all your lending needs are fulfilled. Discover the most attractive land loan rates today for any vacant land or land with construction in CA.

Land loans and evaluating land value

Reducing unnecessary inquiries helps maintain your credit score. You can securely get preapproved for your land loan without needing to provide your social security number or sensitive financial details.

Construction loans and blanket loans are integral to financing vacant land. By pledging additional property as security (blanket loan), you may be eligible for full 100% LTV financing.

Looking for local hard money lending?

Your chances of obtaining a loan rise significantly when you enlist a private investor through a local hard money broker. In Goleta, CA, land loans are most effectively managed by local lenders with neighborhood expertise. Proximity between the investor and the property improves approval chances and speeds up the funding timeline.

Utilize the Lendersa® land loan calculator to identify vacant land loan lenders in zip codes 93117, 93118.



  • Ranch & Coast Mortgage Group, Inc.
  • 2000 State St, Suite A, Santa Barbara, CA, 93105
  • Ranch & Coast Mortgage Group, Inc. understands the importance of finding the right mortgage loan that fits your exclusive needs and situations. Our team’s extensive knowledge of the mortgage and financial market, coupled with our years of experience, allow us to find you the lowest rate with the best possible terms.
  • Vanguard Hard Money
  • 351 Hitchcock Way, Ste. 230-B, Santa Barbara, CA, 93105
  • Vanguard Hard Money, is a direct lender specializing in financing for fix & flip rehab development loans. We provide investors with hard money loans to facilitate the purchase, rehabilitation and sale of single family homes, multi-family, and commercial properties. We strive to be the best.
  • Commercial Loan Express
  • 351 Hitchcock Way, Ste. B-230, Santa Barbara, CA, 93105
  • Commercial Loan Express Headquartered in Santa Barbara, California the president, Peter De Witte formed his team in 2004. Commercial Loan Express is a hard money lender that specializes in lending to investors who profit from house flipping. The loans are underwritten and funded in-house, thereby enabling swift decisions, flexible lending solutions
  • SANTA BARBARA COMMERCIAL MORTGAGE, INC.
  • PO BOX 30157, Santa Barbara, CA, 93130
  • Santa Barbara Commercial Mortgage, Inc formerly known as Mortgage Company of Santa Barbara, has been originating commercial real estate loans in California for over 25 years and is an efficient and valuable resource .With a small and agile loan committee, SBCM is able to process requests quickly and can often fund loans faster than most lenders.
  • Direct Capital Funding
  • 333 N. Lantana Street, Suite 100, Camarillo, CA, 93010
  • DC Funding was founded on the idea and principle of building a better living with excellent support and service.We focus on incorporating and mastering the latest technologies & procedures keeping our associates above the crowd.Our team of professionals set a stronger standard of business, abide by a strict code of ethics and give superior service.
  • Pacific Trust Mortgage
  • 735 Tank Farm Rd. Suite 210, San Luis Obispo, CA, 93401
  • Pacific Trust Mortgage was originally founded in 2002 with the genuine belief in creating clients for life. Founded in San Luis Obispo, CA, PTM is rooted in the Central Coast and is fast becoming the preferred lending partner for Realtors, CPA’s, Financial Advisors, and builders alike.
  • ATC Managers, LLC
  • 900 Old River Rd, Bakersfield, CA, 93311
  • ATC Managers, LLC is a nation-wide direct private lender based in Bakersfield, CA. We specialize in time-sensitive and value-added deals underserved by banks and other traditional capital sources, as well as provide opportunity and rescue capital. Whether you need to close fast, have a distressed asset, or need a non-recourse loan, ATC Managers
  • Valley Strong Credit Union
  • 11500 Bolthouse Drive, Bakersfield, CA, 93311
  • In 1938, a small group of dedicated and concerned teachers met for the purpose of forming a financial cooperative for school employees and their families. From these very humble beginnings, Valley Strong Credit Union was founded and formed. Our mission is to turn people’s financial possibilities into financial realities.
  • Jay Kunkle - RPM Mortgage
  • 100 East Thousand Oaks Blvd Thousand, Thousand Oaks, CA, 91360
  • MLD Mortgage Inc. dba The Money Store® is a direct mortgage lender that is headquartered in Florham Park, NJ. The Money Store® has been a trusted mortgage brand for over 40 years.The Money Store® offers mortgage solutions for all ages and financial situations from young borrowers to senior borrowers.
  • Great American Funding Corporation
  • 860 Hampshire Road Suite S, Westlake Village, CA, 91361
  • Great American Funding Corporation is a Direct Mortgage Lending Source which allows us to offer hundreds of Mortgage Loan programs from which to choose. A Mortgage Banker can obtain lower rates and SAVE you money. We get paid by the Big Banks, to do their job better, faster, quicker, less expensive and with lower rates!
  • Harmony Mortgage
  • 699 Hampshire Rd. Suite 210, Westlake Village, CA, 91361
  • Harmony Mortgage Bankers was established in 2007 and since then the company and licensed mortgage professionals have been providing mortgage lending services to home buyers and real estate professionals throughout the state of California. We offer a wide variety of loan options with extremely competitive rates and fees.