Land loan lenders for Panama-City, FL AI 2026!

Evaluate and compare options among 802 land loan lenders operating in Panama-City, FL.

The average price for an acre of land in FL is $30,313. The Loan-to-Value (LTV) ratio for undeveloped land spans from 16.63% to 53.44%, while for developed land, the estimated LTV ranges between 36.30% and 75.38%.

The actual value and loan LTV of any land are contingent on its location, size, topography, zoning, and any entitlements.

Discover your land loan options and competitive rates by contacting the best land loan lender in Panama-City, FL.

Review offers from 100 lenders

Your versatile land loan calculator

Lendersa® AI technology seamlessly connects your loan request with hundreds of direct lenders, addressing all your hard money lending needs. Find the best land loan rates available today to finance any vacant land or land with construction in FL.

Insight into land loans and value

Limiting unnecessary inquiries helps protect your credit score. Obtain preapproval for your land loan without providing your social security number or other sensitive financial details.

Blanket and construction loans are integral to vacant land financing; you might qualify for up to 100% LTV by pledging additional property as security (blanket loan).

Considering hard money lending nearby?

Your chances of securing a loan are greatly enhanced by finding a private investor through a local hard money broker. Land loans in Panama-City, FL are most effectively arranged by local lenders familiar with the neighborhood. A shorter distance between the investor and the property boosts approval likelihood and speeds up the funding process.

Utilize the Lendersa® land loan calculator to locate vacant land lenders in zip codes 32401, 32405, 32404, 32402, 32412.



  • Fairway Independent Mortgage Corporation
  • 2945 Alt 19, Ste A, Palm Harbor, FL, 34683
  • Lends in Florida
  • Fairway Independent Mortgage Corporation was founded in 1996 by Steve Jacobson. Just five years after opening its doors, our Customer service is a way of life at Fairway. Not only are we dedicated to finding the best rates for our customers we also offer some of the fastest turn times in the industry

  • Money Street Mortgage, LLC
  • 31119 US HIghway 19 N, Palm Harbor, FL, 34684
  • Lends in Florida
  • Our focus is on you, the customer. Whether you are thinking about buying a new home or refinancing your existing home, we have the experienced and hardworking home loan experts that you need on your side. Our staff knows that our work ethic and knowledge about the entire home buying process sets us apart as the premier mortgage broker.

  • Patriot Lending Services, Inc.
  • 36470 US Highway 19, Palm Harbor, FL, 34684
  • Lends in Florida
  • Patriot Lending has been in business since 1994, helping clients with all of their financing needs. Patriot Lending has branch locations in Pittsburgh, Pennsylvania and Spring Hill, Florida. Our loan officers and support staff are dedicated to providing the highest quality customer service, & building relationships with our investors and clients.

  • Elevated Financial
  • 8270 Woodland Center Boulevard, Tampa, FL, 34685
  • Lends in Florida
  • We are a Direct Hard Money Lender! We are experts at funding creative deals that other lenders wont! We fund residential and commercial deals. We offer 100% financing for residential fix and flip loans and can close quick! No appraisals required on most loans. Call us today for a loan quote!

  • Palm Harbor Mortgage Advisors, Inc
  • 3964 Mullenhurst Dr, Palm Harbor, FL, 34685
  • Lends in Florida
  • "We work with Families, 1st time homebuyers and the Self-employed who want to build Wealth for the long term through Home Ownership.
    Family owned and operated with over 20 years experience.
    Are you or someone you know needing mortgage advice? Contact us.At Palm Harbor Mortgage Advisors, ""You can take your dream home, home today.”"

  • Trans States Mortgage
  • 19508 Shumard Oak Dr. Suite 103, Land O Lakes, FL, 34638
  • Lends in Florida
  • A full-service, brokerage with a focus on our clients based out of Tampa Bay. Our agents have 30 plus years experience in the Tampa Bay market. Creative solutions for any problems. Wide variety of conventional, jumbo, FHA, USDA and VA loans, ranging from low down payment to no mortgage insurance.

  • Swigart and Company Capital Finance Group
  • 1966 Freedom Dr, Clearwater, FL, 33755
  • Lends in Florida
  • I have 21 yrs experience in the space with 18 yrs specializing in Renovation/Construction Lending with more than 3000 renovation and construction fundings in my career. I'm VP of Renovation and Construction Lending for a mortgage bank, and also have my own commercial loan brokerage company. I have in depth experience with an extensive record of suc

  • Clearwater Mortgage
  • 700 Cleveland St, Clearwater, FL, 33755
  • Lends in Florida
  • "Clearwater Mortgage is a family run business. Founded by Scott Chinchar (Scotty to most) and Sandy Chinchar, husband and wife, along with their son, Jesse Chinchar.
    Jesse is otherwise known as Coach Jesse, (of the getting more and more famous Clearwater Academy International Knights football team)."

  • Acopia Home Loans
  • 600 CLEVELAND STREET, SUITE 212, Clearwater, FL, 33755
  • Lends in Florida
  • Acopia's experienced loan advisors are committed to helping qualified borrowers realize their dream of home ownership by providing superior customer service and innovative products. We are mortgage banking professionals committed to making our communities a better place to live and work.