Land loan lenders for Richmond, VA AI 2026!

Review and compare from 291 land loan lenders available in Richmond, VA.

In VA, the standard price for an acre is $45,988. The LTV for undeveloped land stretches from 17.48% to 62.97%, while for developed land in VAName, it is estimated to be between 36.97% and 76.10%.

The actual land value and loan-to-value ratio depend on factors like location, size, topography, zoning, and any existing entitlements.

Discover your land loan options and obtain current rates by consulting the leading land loan lender in Richmond, VA.

Compare loan offers from 100 lenders

The remarkable land loan calculator

Lendersa® AI technology ensures all your hard money lending needs are addressed by swiftly aligning your loan request with numerous direct hard money lenders. Uncover excellent land loan rates today to fund any sort of vacant land or land plus construction in VA.

Understanding Land Loans and Value

Preventing unnecessary inquiries is vital for protecting your credit score. Get preapproved for a land loan without needing to disclose your social security number or sensitive financial details.

Construction and blanket loans play a crucial role in vacant land financing; you might qualify for 100% LTV (Loan to Value) when you pledge additional property as security (blanket loan).

Seeking Hard Money Lending Locally?

By finding a private investor through a local hard money broker, your chances of securing a loan significantly increase; arranging land loans in Richmond, VA are optimally arranged by local lenders who are familiar with the area. Proximity between the investor and property not only improves approval odds but also expedites the funding process.

Utilize the Lendersa® land loan calculator to locate vacant land loan lenders within zip codes 23222.



Richmond Land Loan Lenders

  • Atlantic Union Bank
  • 1051 E Cary St, Suite 103, Richmond, VA, 23219
  • Lends in Virginia
  • Atlantic Union Bankshares Corporation is the holding company for Atlantic Union Bank. Atlantic Union Bank has 149 branches located throughout Virginia, and in portions of Maryland and North Carolina. We believe people have a right to expect more from the companies they do business with – and they can expect more from Atlantic Union Bank.

  • Richmond Mortgage Inc.
  • 1650 Willow Lawn Dr, Suite 301, POB 6784, Richmond, VA, 23230
  • Lends in Virginia
  • Since 2000, we’ve funded a total of $62 Million to investment businesses developing single-family homes, land, multi-family and commercial properties in Virginia, Washington, D.C., and Maryland. Upon approval, we provide fast funding of loans secured solely by your real property—no credit check required.

  • Citizens and Farmers Bank
  • 415-14th Street, West Point, VA, 23181
  • Lends in Virginia
  • The founders of C&F Bank recognized the need for a strong, solid financial institution that would serve local businesses and the customers that lived and worked in our communities. Through the years, C&F Bank has proved that dedicated, well-trained employees, a commitment to outstanding service & a diverse offering of quality financial products.

  • Baylands Family Credit Union
  • 2004 Main Street, West Point, VA, 23181
  • Lends in Virginia
  • Baylands Family Credit Union was formed over 70 years ago to assist with the financial needs of the West Point paper mill employees and their families. Over time Baylands has grown to become a state-chartered community credit union with a robust platform of services to offer all our members.

  • New Horizon Bank, National Association
  • 1870 Stoneridge Commerce, Powhatan, VA, 23139
  • Lends in Virginia
  • New Horizon Bank was founded in Powhatan, VA about 20 miles west of Richmond. In 2009, a group of local business owners had a vision to meet a need – a community bank to provide an alternative to large regional and national banks. Powhatan is comprised of merchants, small manufacturers, farms, individuals, and families

  • Chesapeake Bank
  • 97 North Main Street, Kilmarnock, VA, 22482
  • Lends in Virginia
  • Chesapeake Bank’s roots stretch deep into the sandy soil of Virginia’s Northern Neck and reach back to the dawn of the twentieth century. Originally charted as Lancaster National Bank on April 13, 1900, we’ve been focused on our community from the very beginning. The Bank’s first clients were watermen, farmers and small business owners.

  • BayPort Credit Union
  • 1 Bayport Way, Newport News, VA, 23606
  • Lends in Virginia
  • In 1928, nine shipyard workers from Newport News Shipbuilding formed an organization with a specific purpose as a low-interest source of loans and a trusted place to deposit money. Today, BayPort Credit Union is rated a Superior 5-Star Credit Union by Bauer Financial, managing $2.2 billion in assets

  • Coastal Key Acquisitions
  • 440 Monticello Ave, Norfolk, VA, 23510
  • Lends in Virginia
  • Coastal Key Acquisitions connects borrowers with the right capital source — fast. We specialize in hard money, bridge, and commercial loans nationwide. As a veteran-owned firm based in Hampton Roads, VA, we bring integrity and deal expertise to every transaction. Residential, commercial, and land deals welcome. Let’s close.

  • Commercial Lending LLC
  • 7603 Maple Branch Rd, Clifton, VA, 20124
  • Lends in Virginia
  • Commercial Lending, LLC is pleased to offer land acquisition, construction and closing costs financing for small single-family residential construction projects. We offer loans for stick-built or modular home construction. We work with you to streamline the construction loan process so that you can begin construction on your schedule.

  • Clear Sky Financial, LLC
  • 9406 Jackson Street, Burke, VA, 22015
  • Lends in Virginia
  • Clear Sky Financial knows the DC/VA/MD metro area’s residential real estate market deeply, is a trusted partner for investors across the region, and has a proven track record. We are quickly able to discern which opportunities are viable and how we can help you succeed.Clear Sky Financial’s success starts with our community and the People in it