Complete List of Vacant Land Lenders for Kinston, NC with AI help!

Explore and compare among 240 land loan lenders operating in Kinston, NC.

The average cost for an acre of land in NC is $20,437. The Loan-to-Value (LTV) ratio for undeveloped land ranges from 16.10% to 47.43%, while for developed land in NCName, the estimated LTV falls between 35.88% and 74.93%.

The true value and loan LTV of any parcel depend on various factors like its location, size, topography, zoning, and any entitlements attached to the land.

To understand your land loan options and rates, contact the premier land loan lender in Kinston, NC.

Explore loan offers from 100 lenders

The remarkable land loan calculator

To meet all your hard money lending needs, Lendersa® AI technology instantly matches your loan request with hundreds of direct hard money lenders. Discover the best land loan rates today for funding any vacant land or land with construction in NC.

Land loans and their valuation

Reducing unnecessary inquiries can protect your credit score. Get preapproved 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 financing; you may qualify for 100% Loan-to-Value (LTV) financing by pledging additional property as security (blanket loan).

Is hard money lending nearby?

Your odds of securing a loan improve significantly when you find a private investor through a local hard money broker. Land loans in Kinston, NC are best processed by local lenders who understand the area. A shorter distance between the hard money investor and the property increases the likelihood of loan approval and expedites the funding process.

Utilize the Lendersa® land loan calculator to find vacant land loan providers in zip codes 28501, 28504, 28502, 28503.



  • Rain City Capital
  • 1020, Charlotte, NC, 28206
  • We understand the demands of the real estate market and pride ourselves on being a trusted partner with a proven track record of helping our clients succeed. With Rain City Capital, you can trust that you’ll have a financial partner who is as committed to your success as you are.
  • Charlotte Metro Credit Union
  • 718 Central Avenue, Charlotte, NC, 28204
  • At Charlotte Metro, our mission is simple – helping members prosper. Not some members – ALL members! What you really want to know is can we handle your banking needs? Of course! We're your partner for financial growth and management, making your money work harder for you with smarter, less complicated, and readily available tools and services.
  • Mortgages by Scott
  • 14120 Ballantyne Corporate Place STE 350 OFC 310, Charlotte, NC, 28277
  • Mortgages by Scott serves clients in NC,SC,FL and VA. We specialize in concierge level mortgage service, same day pre-approvals, and quick closings. Our motto is Listening is the key to good lending, as we know one size does not fit all. Whether you are a first time homebuyer, buying your dream home, we are here to help.
  • Emory Funding
  • PO Box 77533, Charlotte, NC, 28271
  • "Emory Funding is the Premiere Hard Money Loan Solution lender. Emory Funding is owned by Ben Joffs and MeKell Joffs. They use their personal funds and work with a close group of lenders to finance all types of real estate projects: residential, commercial, rehab, construction."
  • Black Swan Lending
  • Lochlain Drive, Charlotte, NC, 28209
  • Started by Austin Hegele. Black Swan Lending is a commercial loan brokerage. An asset-based, non-QM, private and hard money lender. We offer refinance loans, ground up construction loans, long-term rental and short-term loans, rental loans, fix and flip loans, bridge loans, transactional loans, and multifamily loans. We have developed incredible pa
  • REI Investment Capital LLC
  • 7014 Garden Terrace Ct, Charlotte, NC, 28210
  • Easy Hard Money and Commercial Loans for investors. - Loan Types - Fix and Flips, DSCR, Portfolio, Bridge, Ground Up Construction, Multifamily bridge/value Add and Term loans and Commercial Loans. Property types - SFR, MF 1-4, MF 5+ units, Retail, Office, Strip Malls, Warehouse, Light Industrial, Mixed-use, Hospitality, Self-Storage and more.
  • Finance of America Commercial
  • 6230 Fairview Road, Suite 300, Charlotte, NC, 28210
  • Finance of America Commercial provides single and portfolio rental term loans, Bridge loans, and fix-and-flip exposure limit loans to residential real estate investors across the country, helping borrowers overcome traditional financing hurdles and build long-term wealth through real estate investment.
  • Cardinal Financial
  • 3701 Arco Corporate Drive, Suite 200,, Charlotte, NC, 28273
  • At Cardinal Financial, we know mortgage lending is more than just loans—it's about helping people achieve their homeownership dreams. With a focus on listening, understanding your unique story, and customizing solutions, I provide a seamless experience from start to finish. Let’s work together to find the perfect loan and make your dreams a reality