Lenders using AI on vacant land in Smithtown, NY 2025!

Explore and compare options among 251 land loan lenders available in Smithtown, NY.

The average cost per acre in NY is $97,148. The loan-to-value (LTV) for undeveloped land ranges from 20.24% to 94.09%, while for developed plots, the LTV can be between 39.16% and 78.43%.

The true value and LTV significantlmand largely depend on its location, size, topography, zoning, and any entitlements it may have.

Discover your land loan options and current rates by contacting the top land loan lender in Smithtown, NY.

Review offers from 100 lenders

The advanced land loan calculator

To meet all your hard money lending needs, Lendersa®'s AI technology efficiently pairs your loan request with hundreds of direct hard money lenders. Discover the most competitive land loan rates today for financing any vacant land or land plus construction projects in NY.

Land loans and property value

Minimizing unnecessary inquiries can protect your credit score. Achieve pre-approval for your land loan without requiring your social security number or sensitive financial information.

Construction and blanket loans are common in vacant land lending. You might qualify for 100% LTV financing if you use additional property as collateral (blanket loan).

Seeking hard money lending locally?

Your chances of securing a loan rise significantly when you find a private investor through a local hard money broker. Land loans in Smithtown, NY are best facilitated by local lenders who know the area well. Keeping the hard money investor nearby improves approval odds and speeds up the funding process.

Use the Lendersa® land loan calculator to find vacant land loan lenders in zip codes 11768, 11767, 11725, 11754, 11787, 11780, 11788.



  • FountainFunding
  • 13 Neil rd, Spring Valley, NY, 10977
  • BH As a Hard Money Loan Lender, I have built a portfolio of 50+ personal private lenders and loan companies, making us a trusted resource in the industry. With almost a decade of experience, our company has successfully facilitated a wide range of loans, catering to various needs and situations. Because we are not bonded to one specific compa
  • Hybridge Holdings
  • 1828 E 8th st, Brooklyn, NY, 11223
  • Introducing Hybridge Holdings, your go-to destination for private lending with unbeatable advantages. With same-day funding, our streamlined process ensures quick access to the funds you need. Experience complete transparency with our straightforward fee structure, and rest assured knowing we guarantee the lowest rates in the market. Contact us tod
  • Ary Ming Asset Funding
  • 24 Commerce St. Suite 606, Newark, NJ, 07102
  • AryMing Asset Funding, LLC (AAH) is a boutique, private real estate lending sponsorship firm founded in 2010. We purchase, finance, sell, and assign mortgages & notes. We cater to accredited, high net worth individuals who appreciate transparency and personalized service in the distress asset sector of real estate.
  • 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.
  • 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.
  • Stratton Equities
  • 28 Bloomfield Ave, Suite 302, Pine Brook, NJ, 07058
  • Stratton Equities is the Leading Nationwide Direct Hard Money & NON-QM Lender that specializes in fast and flexible lending processes. Our team is owned and operated by experienced Real Estate Investors providing a reliable and knowledgeable team to help all Real Estate investors succeed. No Upfront Fee's, No Junk Fee's No Tax Returns.
  • Progress Capital
  • 620 Tinton Avenue, Building B, 1st Floor, Eatontown, NJ, 07724
  • Progress Capital is a commercial real estate advisory firm specializing in arranging debt for commercial real estate owners and developers of mixed-use, multi-family, construction, industrial, retail, office and commercial storage properties. With 30 years of industry leading experience in the Metro New York, Philadelphia and New Jersey markets.
  • TEG Federal Credit Union
  • 1 Commerce Street, Poughkeepsie, NY, 12603
  • TEG Federal Credit Union is a local, member-owned, not-for-profit, full-service community financial institution open to all those who live, work, worship or attend school in Dutchess, Orange, Ulster, Sullivan, Putnam, Rockland and Westchester County in New York. Since 1969, TEG has been a steady source of financial services to its members.
  • TLOA Mortgage LLC
  • 11 Talcott Notch Rd, Farmington, CT, 06032
  • TLOA Mortgage is an asset-based private lending company offering competitive rates, fast underwriting, and reliable access to capital. We specialize in private mortgage solutions tailored to meet your needs, with a focus on speed and expertise. Backed by years of industry experience, our expert team is committed to making private mortgage lending e
  • Hard Money Man LLC
  • 249 Grand Central Pkwy, Bayville, NY, 08721
  • Hard Money Man LLC is a New Jersey based private money lender. With over 20 years experience in being hard money lenders and private money lenders, we have closed and funded over 7,500 loans totaling over 1.2 billion in transactions. We pride ourselves on knowledge of the industry and speed of closings. On average our loans close in 7 days, and we
  • Lewis Commercial Services llc dba Michael Lewis Group
  • P.O. Box 1068, DINGMANS FERRY, PA, 18328
  • The Michael Lewis Group has long relationships with a great many life companies, CMBS platforms, hedge funds, pension funds, hard money lenders, private money lenders, equity investors, ultra-high-net-worth individuals, construction loan lenders including infrastructure financing, middle market advisory services via affiliated merchant banks and in