Lenders using AI on vacant land in Garfield, NJ 2025!

Analyze and compare among 231 land loan lenders active in Garfield, NJ.

In NJ, the average cost for an acre of land is $67,732. The loan-to-value (LTV) ratio for undeveloped land typically falls between 18.65% and 76.20%, whereas for already developed land in NJName, the anticipated LTV lies between 37.90% and 77.09%.

The actual value and LTV of any land loan are affected by factors such as its location, dimensions, topography, zoning, and any existing entitlements.

Discover your land loan options and rates by getting in touch with the top land loan provider in Garfield, NJ.

Review loan offers from 100 different lenders

The comprehensive land loan calculator

Thanks to Lendersa® AI technology, your loan request is quickly matched with a wide array of direct hard money lenders, ensuring all your financial needs are addressed. Uncover leading land loan rates today to finance any vacant land or combined land and construction ventures in NJ.

Understanding land loans and their impact on value

Avoiding unnecessary credit inquiries can help protect your credit score. Achieve preapproval for your land loan without revealing your social security number or other sensitive financial details.

Both construction and blanket loans are essential for vacant land financing; you may qualify for 100% LTV financing by pledging additional property as a security (a blanket loan arrangement).

Need hard money lending nearby?

Finding a private investor through a local hard money broker can significantly improve your chances of securing a loan. Local lenders who know Garfield, NJ, are often the best choice for arranging land loans. Proximity between the investor and the property can enhance approval chances and speed up the funding process.

Utilize the Lendersa® land loan calculator to identify vacant land loan providers within zip codes 7026.



  • Anything Commercial Loans
  • 151 West Passaic St, Rochelle Park, NJ, 07662
  • We offer real estate & business financing for all kind of investment retail, properties, including commercial, industrial, multi-family, mixed use property, and more. Our unique approach allows us to close quickly and securely on business loans & real estate investments, even when conventional lenders turn you away.
  • CLASSIC MORTGAGE, L.L.C.
  • 25 E Spring Vall9y Ave, Suite 205, Maywood, NJ, 07607
  • Classic Mortgage, LLC specializes in all types of mortgage loans including: FHA , VA , New Construction and traditional loans. Established over 16 years ago, Classic Mortgage a New Jersey Mortgage Firm has become one of the fastest growing residential lenders in the northeast.A full service mortgage banker licensed in New Jersey, New York,
  • PRIME RESOURCE CAPITAL
  • 90 Main St, Suite 309, Hackensack, NJ, 07601
  • Prime Resource Capital, we take a “can do” attitude. We help find solutions. Our clients rely on our expertise to match our products to the specific need of the client. Our advisors are experienced professionals who understand that capital is a key ingredient to growth in any industry.
  • Accolend
  • 310 Cedar Lane,, Teaneck, NJ, 07666
  • Accolend provides asset based and hard money lending solutions for developers, builders, investors of all sizes. We have many different solutions to solve your investment needs. Our rates are lower than most hard money lenders and we typically do not charge points. Closings can be very fast, as short as 2 days. Call us today to discuss your project
  • Commercial Mortgage Unlimited LLC
  • 22 Tilghman Dr, Glen Rock, NJ, 07452
  • Commercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type. All property typesCommercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type.
  • Homeland Realty
  • 254 Union Boulevard, Totowa, NJ, 07512
  • Homeland Realty is North Jersey’s top internet marketer of real estate properties. At HomeLandRealtyNJ.com you can find information on local schools, weather, local information, links and other local resources for Totowa, Wayne, Clifton, Paterson and surrounding communities. Homeland Realty NJ, can assist you with a variety of real estate services.
  • RCA Capital
  • 550 Kinderkamack Rd, Suite1, Oradell, NJ, 07649
  • RCA Capital is a direct, private lender, and Capital Advisory Company. Our team uses a common-sense approach to lending to provide 24-hour approval turn times. Our in-house underwriting allows us to expeditiously bring you to the closing table. Our asset-based mortgage programs are specifically designed for independent real estate investors and se
  • Kennedy Funding
  • 267 South Dean Street, Englewood, NJ, 07631
  • Kennedy Funding is a leading nationwide hard money lender specializing in bridge loans for all types of commercial property. The company has over $4.0 billion in loan closings. Commercial real estate loans are provided for land acquisition, development, construction, note purchases, workouts, bankruptcies and foreclosures.
  • Heritage Financial Corporation
  • 3478 Kennedy Blvd, Jersey City, NJ, 07307
  • Heritage Financial Corp. has helped hundreds of families achieve their dreams of homeownership. Our team lives in the same communities we serve, understanding the in-depth challenges faced by families and individuals. From residential to commercial financing our team has the experience and expertise to be true partners to our clients.
  • INSPIRED HOLDINGS LLC
  • 277 FAIRFIELD RD SUITE 310, FAIRFIELD, NJ, 07004
  • YOUR GO TO FUNDING COMPANY FOR FIX AND FLIPS, CASH OUT AND RENTAL LOANS. \ INSPIRED SPECIALIZES IN ALL TYPES OF COMMECIAL FINANCING FOR REAL ESTATE INVESTORS, WHOLESALERS, AND BUYERS. WE OFFER PROGRAMS THAT GIVE INVESTORS A LEG UP IN THE HOME BUYING PROCESS. GET PREQUALIFY TODAY WITH NO HASSLE.
  • American Capital Mortgage Inc
  • 439 Main Street, Suite 102, Orange, NJ, 07050
  • American Capital Mortgage Inc. is a Mortgage Broker company for all your Home Mortgage. We achieve excellence and consistently exceed our clients expectations. we can ensure you get the best loan to fit your goals and finances. American Capital Mortgage know the market. We know the process.