Land loan lenders for Winston-Salem, NC AI 2026!

Choose from and compare among 282 land loan providers operating in Winston-Salem, NC.

In NC, the average cost of an acre of land is $29,508. The loan-to-value (LTV) ratio for undeveloped land typically ranges from 16.59% to 52.95%, whereas the LTV for loans on developed land in NCName generally falls between 36.26% and 75.35%.

The actual valuation and LTVs of a piece of land are influenced by its location, size, topography, zoning, and any existing entitlements on the property.

Explore your options and land loan rates by reaching out to the leading land loan lender in Winston-Salem, NC.

Compare loan offers from 100 lenders

The magic land loan calculator

To cater to all your hard money lending requirements, Lendersa® AI technology swiftly matches your loan application with numerous direct hard money lenders. Investigate the best land loan rates available today for financing any vacant land or land with construction in NC.

Land loans and land value

Reducing unnecessary inquiries helps your credit score remain healthy. Achieve pre-approval for your land loan without needing your social security number or other sensitive financial data.

Construction and blanket loans are integral to vacant land lending; you might qualify for full LTV (Loan-to-value) financing if you pledge additional property as security (an approach known as a blanket loan).

Hard money lending near you?

Partnering with a local hard money broker increases the likelihood of securing a loan as finding a private investor nearby boosts your loan chances significantly. In Winston-Salem, NC, land loans are best arranged by local lenders familiar with the area. A close distance between the hard money investor and the property improves the odds of loan approval and quickens the funding process.

Utilize the Lendersa® land loan calculator to locate vacant land loan lenders in the zip codes 27110.



Winston-Salem Land Loan Lenders

  • Truliant Federal Credit Union
  • 893 North Liberty Street, Suite A, Winston Salem, NC, 27101
  • Lends in North Carolina
  • Truliant Federal Credit Union was chartered in 1952 to serve the employees of Western Electric and was known as Radio Shops Credit Union. It began serving about 2, 000 members and offered credit union services in Winston-Salem, Greensboro and Burlington. Today, Truliant serves over 280, 000 members with more than 30 locations.

  • First Carolina Mortgage
  • 102 Dolley Madison Road, Greensboro, NC, 27410
  • Lends in North Carolina
  • At First Carolina Mortgage, we have been proudly serving the Greensboro, Triad, North Carolina area since 1990. We strive to render professional service in a friendly atmosphere. Our loan officers have the skills and experience to meet your lending needs. Customer satisfaction will always be our top priority.

  • Home Realty and Mortgage
  • 1620 Martin Luther King Jr Ave, Suite 101, Salisbury, NC, 28144
  • Lends in North Carolina
  • Home Realty and Mortgage, a real estate and mortgage brokerage firm located in Salisbury, North Carolina, is best known for providing exceptional real estate and mortgage services since 2002. Home Realty and Mortgage is built on Dedication, Communication, Determination, and Trust.

  • Carolina Farm Credit
  • 146 Victory Lane, Statesville, NC, 28625
  • Lends in North Carolina
  • Carolina Farm Credit is a stockholder-owned cooperative providing financing to full and part-time farmers and agricultural-related businesses and also provides financing for the construction and purchase of homes in 54 counties through 29 branch offices. Other financial services available are life insurance, appraisal services, leasing programs

  • Peoples Bank
  • 420 West A Street, Newton, NC, 28658
  • Lends in North Carolina
  • Here at Peoples Bank, we're passionate about helping people. We strive to be exceptional and inspire others to be exceptional too. It's a promise we make to our neighbors, families, local businesses and community.

    When you're passionate about people like we are, you start to see the extraordinary in everyone.

  • Rain City Capital
  • 1020, Charlotte, NC, 28206
  • Lends in North Carolina
  • 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
  • Lends in North Carolina
  • 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.

  • Duke Credit Union
  • 2200 West Main Street, Suite L100, Durham, NC, 27705
  • Lends in North Carolina
  • Duke University Federal Credit Union has been serving the Duke community since 1968. A not-for-profit financial cooperative serving employees and students of Duke University and Duke Health. (Duke Alumni and Retirees are also eligible to join.

    Duke Credit Union is managed and operated by Duke Employees

  • Dozcon Investment Group LLC.
  • 4105 Regency Dr., Indian Trail, NC, 28079
  • Lends in North Carolina
  • Dozcon Investment Group is a premier Residential Lender for Non-Owner-Occupied Investment Properties offering transparent and stress-free Funding

    We offer financing solutions for fix & flip real estate investors

    As a Lender for Real Estate Investors we do most of the leg-work for you while you build up your Real Estate Portfolio and cash-flo

  • Black Swan Lending
  • Lochlain Drive, Charlotte, NC, 28209
  • Lends in North Carolina
  • 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