Land loan lenders for Smithtown, NY AI 2026!

Explore and compare options among 281 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.



  • REI Investment Capital LLC
  • 7014 Garden Terrace Ct, Charlotte, NC, 28210
  • Lends in New York
  • 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
  • Lends in New York
  • 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
  • Lends in New York
  • 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

  • Funding Resources, LLC.
  • 630 Chestnut Road, Suite 8, Myrtle Beach, SC, 29572
  • Lends in New York
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates & closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Northpointe Bank
  • 3333 Deposit Drive NE, Grand Rapids, MI, 49546
  • Lends in New York
  • Northpointe Bank deposits, nationwide mortgage purchasing program, and community bank fulfillment services. Our residential origination locations span the nation due to our ability to lend in all 50 states. As we continue to grow, we are proud to be recognized throughout the industry for our exceptional financial performance.

  • United Financial Group
  • 202 W Main street, Lexington, SC, 29072
  • Lends in New York
  • United Financial Group provides customized financing solutions for large real estate and non-real estate projects, offering up to 100% LTV/LTC through 144A bond financing. With global reach, flexible terms, and expert management, we specialize in mezzanine debt, preferred equity, and joint ventures.

  • Lima One Capital
  • 201 East McBee Avenue, Greenville, SC, 29601
  • Lends in New York
  • Lima One Capital, LLC is a National, fully capitalized, direct lender for residential real estate investors and homebuilders. We are revolutionizing the investor financing industry with our highly competitive and straightforward rates, the length of our loans, and our unmatched customer service.

  • Amiachi Property Advisers
  • 4625 S. Calumet, Chicago, IL, IL, 60653
  • Lends in New York
  • Elevate your real estate journey with Amiachi Property Advisers. Led by Melissa Pitts, we offer tailored property solutions that redefine client satisfaction. With a commitment to integrity and excellence, trust us to guide you through every investment decision. Choose Amiachi for unmatched expertise and personal dedication, turning your real estat

  • Riverbank Business Capital
  • 444 N Michigan Ave, Chicago, IL, 60611
  • Lends in New York
  • Riverbank Business Capital

    Fueling Real Estate Investment Growth

    Riverbank Business Capital helps investors and entrepreneurs access flexible commercial financing for Multi Family, Mixed Use, Retail, Warehouse, Self Storage, Automotive properties, no income documentation, fast process. Ready to strengthen your cash flow and seize new opportunities, to purchase, refinance or cash-out? We fund fast Call 800-575-7144 or email [email protected].

  • Renovo Financial
  • 222 W Adams St #1980, Chicago, IL, 60606
  • Lends in New York
  • Founded in 2011, Renovo is the premier provider of financial and strategic support for real estate investors and property rehabbers who invest in and rehab single-family and small multi-family properties. Renovo powers the growth of its customers’ businesses and the communities they serve by providing timely capital, responsive customer service, an

  • Shore Up Financial Services LLC
  • 2047 Lawrenceville-Suwanee Rd Ste E, Suwanee, GA, 30024
  • Lends in New York
  • Shore Up Financial Services was created for investors by investors and, as such, we understand the challenges faced and lending needs of investors. We structure financing for investors who appreciate a high level of service with direct answers, solid communication, and a confidence in that if it can be done, it will get done! "You work the miracle