Land loan lenders for Monterey, CA AI 2026!

Investigate and contrast 747 land loan lenders operating in Monterey, CA.

The average cost for an acre of land in CA is $156,428. The loan-to-value (LTV) ratio for undeveloped land ranges from 23.43% to 130.15%, while the estimated LTV for loans on developed land in CAName ranges between 41.70% and 81.13%.

The true value and loan LTV of any land depend on its location, size, topographic features, zoning, and any entitlements associated with the land.

Discover your options for land loans and get current rates by connecting with the top land loan lender in Monterey, CA.

Compare loan offers from one hundred lenders

The incredible land loan calculator

Lendersa® leverages AI technology to immediately pair your loan request with numerous direct hard money lenders, meeting all your specific hard money lending requirements. Learn about the optimal land loan rates today to finance any vacant land or land with construction in CA.

Land loans and assessing land worth

Minimize unnecessary inquiries to protect your credit score. Obtain preapproval for your land loan without needing to provide your social security number or any sensitive financial information.

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

Seeking hard money lending in your vicinity?

Finding a private investor through a local hard money broker significantly boosts loan approval odds; land loans in Monterey, CA are best arranged by local lenders knowledgeable about the area. A lessened distance between the hard money investor and the property increases approval chances and quickens the funding process.

Employ the Lendersa® land loan calculator to locate vacant land loan lenders in zip codes 93943, 93940, 93944.



  • Carlyle Mortgage Inc.
  • 1901 South Bascom Avenue, Suite 1410, Campbell, CA, 95008
  • Lends in California
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide loans to our clients while providing them with the great service. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.We know you have a lot of options when it comes to yourmortgage financing.

  • Diversified Loan Services, Inc.
  • 257 E Campbell Ave #3, Campbell, CA, 95008
  • Lends in California
  • Diversified Loan Services, Inc. (DLS) is committed to providing sound and secure trust deed investment opportunities for private individuals looking for higher rates of return on their investment. We value personal relationships and integrity in meeting our client’s investment needs.

  • Kal Financial
  • 2542 South Bascom Avenue, Ste. 130, Campbell, CA, 95008
  • Lends in California
  • Kal Financial offers many great resources on our website please make sure you get the following free resources such as how does the loan process work with Kal Financial? We have a Free Campbell California Mortgage Calculators or fill out a 100% FREE, No-Obligation, Secure Online Loan Application or give us a call at the office no.

  • Loan-guys.com (e-constructionloans.com)
  • 2074 Mataro Way, San Jose, CA, 95135
  • Lends in California
  • Since 2000 we have specialized in construction loans, lot loans, and vacant land loans in the Western United States. We do single close construction loans for ground-up construction starting with a vacant lot or a tear down, as well as single close construction loans for rehab,remodel and additions.

  • SnapFi
  • 1155 Meridian Avenue, San Jose, CA, 95125
  • Lends in California
  • SnapFi is innovating the mortgage lending experience. Working at the intersection of leading edge technology and dedicated, expert advisory services, we customize and deliver the best financial solutions for our clients, today, tomorrow, and into the future. We’re fast. We’re agile. We make our own decisions.

  • DCI Mortgage & Investment
  • 4100 Moorpark Ave. Suite 216, San Jose, CA, 95117
  • Lends in California
  • DCI is a Silicon Valley mortgage broker and lender. Along with competitive rates, DCI provides some of the most flexible loan terms in the industry. DCI focuses on helping people and business finance property outside of the traditional routes. We have many sources of investment and funding.

  • RAM Capital Corporation
  • 1101 S. Winchester Blvd, Suite H-189, San Jose, CA, 95128
  • Lends in California
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Arcus Lending
  • 1245 S Winchester Blvd, Suite 209, San Jose, CA, 95128
  • Lends in California
  • We have been featured on NBC, CBS, FOX, ABC and several other media for our mortgage expertise. We have been named to 2017 Inc 500 list of fastest-growing private companies in America. In the same list, Arcus Lending was named the 3rd fastest growing mortgage company in the country.

  • Access Investments
  • PO BOX 53642, San Jose, CA, 95153
  • Lends in California
  • SVCF is a Tier One Mortgage provider of wholesale lending, direct private investors. We're an exclusive group of "exceptions engineers". Providing all of the State of California for both residential and commercial financing, our well experienced professionals engage high level business practices to support your mortgage needs. No maximum loan amoun