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

Choose and compare from 723 land loan lenders providing services in Millbrae, CA.

The average cost for an acre of land in CA is $276,940. The Loan-to-Value (LTV) ratio for undeveloped land spans 29.93% to 203.45%, while for loans on already developed land in CAName, the estimated LTV is between 46.87% and 86.63%.

The true value and LTV of any piece of land are influenced by its location, size, topography, zoning, and any necessary entitlements.

Discover your land loan options and evaluate rates by contacting the top land loan lender in Millbrae, CA.

Check loan offers from 100 lenders

The incredible land loan calculator

To ensure all your hard money lending requirements are met, Lendersa® AI technology will quickly link your loan request with hundreds of direct hard money lenders. Discover the best land loan rates today to finance any vacant land or land plus construction in CA.

Understanding land loans and their valuation

By reducing unnecessary inquiries, you can protect your credit score. Achieve preapproval for your land loan without needing to disclose your social security number or sensitive financial information.

Construction loans and blanket loans are integral to vacant land lending; complete 100% LTV (Loan to Value) financing might be possible when additional property is pledged as security (blanket loan).

Looking for hard money lending locally?

Finding a private investor through a local hard money broker significantly increases your chances of obtaining a loan. Land loans in Millbrae, CA are best facilitated by local lenders familiar with the neighborhood. A shorter distance between the hard money investor and the property increases the likelihood of loan approval and speeds up the funding process.

Utilize the Lendersa® land loan calculator to find vacant land loan providers in zip codes 94030.



  • FundLoans
  • 662 Encinitas Blvd., Ste. 270, Encinitas, CA, 92024
  • "FundLoans is an exception-based wholesale mortgage lender that specializes in Jumbo, Super Jumbo, and Non-QM solutions. A redefined Non-QM experience with “out-of-the-box” guidelines, that take a more holistic approach at underwriting. Contact us today about becoming an approved broker! "
  • Charger Funding
  • 515 Encinitas Blvd Suite 203, Encinitas, CA, 92024
  • Charger Funding was founded in 2008. Those of you who have worked with us know that we are experienced and hard working advocates for your files. Charger Funding has been doing private money lending in California for over a decade and we know how to get the job done.We’re the ones to call when you have a deal that absolutely must close.
  • Triumph Capital Partners
  • 155 S. Hiway 101 Suite 7, Solana Beach, CA, 92075
  • The firm’s principals have a combined 40+ years experience in property development and real estate finance and have originated over $1 billion in high-yielding private mortgages throughout their careers. Triumph's mission is to provide debt capital to meet the complex needs of today’s real estate investors nationwide.
  • Seattle Funding Group
  • 512 Via de la Valle Suite 200, Solana Beach, CA, 92075
  • The SFG family of funds was built on disciplined lending models to provide for consistent income with a focus on capital preservation. For three decades, the principals of SFG, John Odegard and Greg Elderkin, have faithfully managed their discretionary authority and proven the quality of SFG’s capital stewardship through numerous market cycles.
  • Pacific Mortgage Exchange, Inc.
  • 73241 Hwy 111, Palm Desert, CA, 92260
  • Pacific Mortgage Exchange, Inc. of Palm Desert, CA has been your devoted hard money lender for over 30+ years! Pacific Mortgage Exchange, Inc.’s reliable hard money loan programs make the process of investment funding fast and convenient and enables clients nationwide with income-producing properties to receive funding.
  • Pacific Horizon Financial
  • 16875 W. Bernardo Drive, Suite 290, San Diego, CA, 92127
  • Pacific Horizon Financial, Inc. has offered attractive loan opportunities to both qualified borrowers and investors since 1989. Based in beautiful San Diego, CA, the company owes much of its success to a veteran, hands-on management team that follows the business model of investing in mortgages on commercial property.
  • Talimar Financial
  • 16880 West Bernardo Drive, #140, San Diego, CA, 92127
  • TaliMar Financial is a California hard money lender that specializes in financing short term residential and commercial private money estate loans. We are currently focused on a providing capital for fix and flip, construction, and bridge loans. For more information on our lending programs.
  • LTV Private Equity
  • 75280 Highway 111 Suite 101, Indian Wells, CA, 92210
  • LTV Private Equity is a locally owned company located in Indian Wells, California. With over 30 years of "Hard Money" experience within the LTV family, we have represented borrowers and lenders throughout the state of California.LTV personally inspects each property in question and gathers their own property data.