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

Examine and compare offers among 731 land loan lenders in Saratoga, CA.

The average cost for an acre of land in CA is $400,002. The loan-to-value ratio (LTV) for undeveloped land typically ranges from 36.56% to 278.31%, whereas for already developed land in CAName, the LTV is estimated to be between 52.14% and 92.24%.

The real value and loan LTV of any land depend on its location, dimensions, topography, zoning regulations, and any entitlements that have been assigned to the land.

Contact the premier land loan provider in Saratoga, CA, to explore your loan options and current rates.

Review offers from 100 lenders

The innovative land loan calculator

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

Understanding land loans and their value

Reducing unnecessary inquiries can safeguard your credit score. Get preapproved for your land loan without having to provide your social security number or any sensitive financial information.

Construction and blanket loans are integral to financing vacant land; you could qualify for full 100% LTV financing by pledging additional property as collateral (blanket loan).

Is hard money lending available nearby?

Your likelihood of securing a loan significantly improves when you work with a local hard money broker to locate a private investor. In Saratoga, CA, land loans are optimally arranged by lenders who are acquainted with the neighborhood. Proximity between the investor and the property enhances approval chances and accelerates the funding process.

Utilize the Lendersa® land loan calculator to find vacant land loan lenders in the zip codes 95070, 95071.



  • Mortgage Vintage, Inc.
  • 260 Newport Center Dr. #403, NEWPORT BEACH, CA, 92660
  • Mortgage Vintage, Inc. connects people who want to invest money secured by Real Estate with real estate investors and business professionals who want to borrow money. Specifically we’re a Hard Money Lender placing private investment capital into well secured and well underwritten Trust Deed Investments.
  • Brave Mortgage
  • 2101 business center Dr STE 230, Irvine, CA, 92612
  • Brave Mortgage simplifies home financing with tailored solutions that empower homebuyers. Led by Jason Ariazand, our team offers expert advice and personalized service to help you secure the best mortgage options. Trust Brave Mortgage to guide you confidently through your homeownership journey. Contact us today at [email protected] or 818-873
  • Brave Mortgage, Inc
  • 2101 Business Ctr Dr. Ste 230, Irvine, CA, 92612
  • We offer creative financing that includes DSCR, bridge, short term and long term financing for all investor/business purpose nationwide. We service all property types including, but not limited to, industrial, retail, mixed use, multifamily, and single family. Fast turn times and competitive rates.
  • EBSC Lending
  • 18575 Jamboree Rd, Irvine, CA, 92612
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. We have underwritten over $1 billion of real estate transactions. We execute consistently, quickly and effectively. We provide investment proper
  • Luxury Mortgage Corp.
  • 18100 Von Karman Avenue, Suite 330, Irvine, CA, 92612
  • "Luxury Mortgage Corp® offers a wide array of adjustable and fixed rate mortgage products for loans on residential properties. As a mortgage lender, we have the ability to set customized pricing based on mortgage programs structured to suit individual needs. We have the power to lock in rate, approve, underwrite and close loans. "
  • 365 Home Lending
  • 18818 Teller Ave, #145, Irvine, CA, 92612
  • 365 Home Lending is a mortgage lending brokerage located in Southern California that focuses on residential purchase and refinance transactions. We are licensed with over a dozen major lenders which gives us the ability to shop the best rates and terms for our clients and in most cases offer top tier pricing.
  • Precision Lending Group
  • 4790 Irvine Blvd #105-461, Irvine, CA, 92620
  • The Precision Lending Group team is committed to providing all clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Mario Loans
  • 333 Marine Ave #5, Newport Beach, CA, 92662
  • Mario Loans 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