Land loan lenders for Merced, CA AI 2026!

Choose and compare from among 757 land loan providers operating in Merced, CA.

In CA, the typical price for an acre of land is $47,322. The Loan-to-Value (LTV) ratio for undeveloped land ranges from 17.55% to 63.78%, whereas for already developed land loans in CAName, it varies between 37.03% and 76.16%.

The real value and LTV of land depend on factors such as location, dimensions, topography, zoning, and any entitlements done on the property.

Discover your choices for land loans and current rates by getting in touch with top land loan providers in Merced, CA.

Compare loan offers from 100 lenders here

The magical land loan calculator

Lendersa® AI technology instantly matches your loan request with hundreds of direct hard money lenders to meet all your hard money lending needs. Find competitive land loan rates today for financing any type of vacant land or land plus construction in CA.

Land loans and land value

Minimizing unnecessary credit checks will help protect your credit score. Get pre-approved for your land loan without needing to disclose your social security number or other sensitive financial information.

Construction loans and blanket loans are integral to vacant land financing; qualifying for 100% LTV financing is possible with an additional property pledged as collateral (blanket loan).

Hard money lending close by?

Enhance your chances of obtaining a loan by connecting with a private investor through a local hard money broker. For land loans in Merced, CA, local lenders who know the area well are usually the best option. Proximity of the hard money investor to the property increases approval likelihood and accelerates the funding process.

Utilize the Lendersa® land loan calculator to locate vacant land loan providers within zip codes 95348.



Merced Land Loan Lenders

  • Lending For Living
  • 1020 15th Street, Suite 10, Modesto, CA, 95354
  • Lends in California
  • Lending for Living is locally owned and operated offering extraordinary loan services for individuals seeking to fulfil their dream of home ownership, refinance or create stability. Years of experience and a knack for the challenging has earned us the reputation of being "VA Specialists" and "Mountain Property Specialists".

  • NorCal Mortgage
  • 1127 13TH ST, Suite A, Modesto, CA, 95354
  • Lends in California
  • This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.

  • Upstar Home Mortgage Inc.
  • 2005 Evergreen Ave., Modesto, CA, 95350
  • Lends in California
  • Upstar Home Mortgage Inc. is a trusted lender offering competitive home loans and refinancing solutions. With a customer-first approach, they provide personalized mortgage options, expert guidance, and a seamless loan process. Upstar helps clients achieve homeownership with flexible terms and great rates.

  • S/L Mortgage
  • 509 Scenic Dr, Modesto, CA, 95350
  • Lends in California
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Scenic Oaks Funding
  • 1156 Scenic Drive, Suite 200 and 110, Modesto, CA, 95350
  • Lends in California
  • Scenic Oaks Funding was founded in 1992 in order to provide members of our community with a simpler way to buy a home. Our company continued to evolve and in 2010, we made the transformation from mortgage broker to mortgage banker for the same reason: to make home buying easier, more efficient, and more accessible.

  • California Mortgage Associates
  • 1217 Standiford Ave., Modesto, CA, 95350
  • Lends in California
  • We are the leading home loan lender in the Central Valley since 1987. We’ve worked hard to build a strong reputation as an out-standing mortgage firm serving our clients needs. You're on your way to finding the best loan at the lowest rate to finance your new home or refinance your existing mortgage.

  • IMS Lending
  • 3421 Tully Rd Ste A, Modesto, CA, 95350
  • Lends in California
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • SJMorgan
  • 1110 Tully Road, Suite B, Modesto, CA, 95350
  • Lends in California
  • SJ Morgan Private Lending Exchange is a company that matches borrowers who are seeking funds to purchase or refinance commercial or residential properties with private investors who are looking for solid real estate investment returns. Qualified investments are presented to the investor exchange.

  • ZABE Mortgage Group
  • 1609 Howard Road, Madera, CA, 93637
  • Lends in California
  • Zabe Mortgage Group is a mortgage banker with mortgage experts, processors, underwriters and funders—all under one roof. With the tools and systems in place, Zabe Mortgage Group proudly offers various loan program options including, FHA, VA, USDA, Conventional, Jumbo and many more.

  • Ability Mortgage
  • 580 N. Wilma Ave, Suite D, Ripon, CA, 95366
  • Lends in California
  • We’re a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending… from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the loan-with great rates, terms and costs-to meet your unique needs.