Lenders using AI on vacant land in Rancho-Santa-Margarita, CA 2025!

Examine and compare the offerings of 723 land loan lenders available in Rancho-Santa-Margarita, CA.

The average cost for an acre in CA is $132,488. The loan-to-value ratio (LTV) for undeveloped land is between 22.14% and 115.59%, while for developed land in CAName, the estimated LTV ranges from 40.68% to 80.04%.

The real value and loan LTV of any land depend on its location, size, topography, zoning, and any entitlements the land has received.

Explore your land loan choices and current rates by contacting the leading land loan lender in Rancho-Santa-Margarita, CA.

Browse loan offers from 100 lenders

The Enchanting Land Loan Calculator

With Lendersa®'s AI technology, your loan request is rapidly aligned with hundreds of direct hard money lenders to meet your lending needs. Discover outstanding land loan rates today for financing any vacant land or land plus construction in CA.

Understanding Land Loans and Their Value

Reducing unnecessary inquiries helps maintain your credit score. Gain pre-approval for your land loan without needing to disclose your social security number or any sensitive financial information.

Blanket and construction loans are fundamental to vacant land funding. You may be eligible for 100% LTV (Loan to Value) financing when you provide additional property as security (blanket loan).

Exploring Local Hard Money Lending?

Enhance your chances of obtaining a loan by working with a local hard money broker to find a private investor. Arranging land loans in Rancho-Santa-Margarita, CA is most effective through local lenders familiar with the area. A close proximity between the investor and the property boosts approval likelihood and quickens the funding process.

Utilize the Lendersa® land loan calculator to identify vacant land loan providers within the zip codes 92679, 92688.



  • The Money Store
  • 5201 California Ave, Suite 450, Bakersfield, CA, 93309
  • MLD Mortgage Inc., dba The Money Store ® is a Full Service Mortgage Banker headquartered in Florham Park, New Jersey, and is licensed in 48 states across the country.Our focus is to provide highly competitive, responsible mortgage loans to everyday homeowners.For over 40 years, The Money Store® name has been synonymous with mortgage lending
  • Accelerated Lending Group
  • 5100 California Ave, Suite 110, Bakersfield, CA, 93309
  • Accelerated Lending Group is a full service Mortgage Brokerage Company. FHA, VA, Conventional, Private Money, Bank Statement Program, ITIN, Commercial and Construction Lending. Our mission is to find the right loan to meet the specific needs of our clients. We not only put our clients first we put our Mortgage Loan Originators first.
  • Prince Financial Corp.
  • 1712 19th Street, Bakersfield, CA, 93301
  • Prince Financial is a family owned business formed in 1994 but the principal officers, David and Barbara Prince have over 35 years experience in all aspects of the Real Estate business.We love the mortgage Finance business and it has been our entire working careers.and also We love the interaction with people.
  • Alterra Home Loans
  • 1430 Truxtun Avenue Suite 509, 5th Floor, Bakersfield, CA, 93301
  • Alterra Home Loans, a division of the Panorama Mortgage Group, was founded in 2006. Alterra Home Loans is 100% minority-owned and focuses on lending to traditionally underserved communities, including Black and Latino borrowers and also Alterra is one of the fastest growing 100% Hispanic owned companies in the Nation.
  • Team Windes
  • 4801 Calloway Drive Suite 103, Bakersfield, CA, 93312
  • Team Windes 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 and also Todd and Sasha Windes all types of home mortgage loans ranging from first time home buyer’s programs to the most sophisticated .
  • Novus Home Mortgage, a division of Ixonia Bank
  • 2119 McCulloch Blvd N, Lake Havasu City, AZ, 86403
  • We offer full documentation, no documentation, bank statement programs, DSCR (Investment properties), asset depletion, land loans, commercial, OTC construction and cross-collateralized loans too. My commitment to honesty and integrity and extensive knowledge have made me a “go-to guy” for borrowers and other mortgage and real estate professionals.
  • 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.
  • Colvert Capital Funding
  • 10120 W Flamingo Rd St 4-1170, Las Vegas, NV, 89147
  • Colvert Capital Funding is an private institutional FINRA exempt lender, covered by sections 3 or 4 of the Securities Act of 1933, sponsored by a syndicate capital provider, we offer residential investment and commercial real estate loan, business financing and alternative debt & equity products for capital intensive projects.
  • Five Star Mortgage
  • 9065 South Pecos Road, Ste #200-A, Henderson, NV, 89074
  • Welcome to Five Star Mortgage! We are a full-service mortgage company located in Henderson, Nevada. We specialize in residential mortgage financing for a primary residence as well as investors. Whether you are relocating to the area, refinancing, or looking to move to a new house, we can help! At Five Star Mortgage, our ultimate goal is to creat