Land loan lenders for Winchester, VA AI 2025!

Examine and compare options from 253 land loan lenders serving Winchester, VA.

The average cost for one acre in VA is $48,883, with the loan-to-value (LTV) ratio for undeveloped land varying from 17.63% to 64.73%. The projected LTV for loans on developed land in VAName typically ranges from 37.10% to 76.23%.

The actual value and loan LTV of a piece of land depend on its location, dimensions, topography, zoning laws, and any executed entitlements.

Explore your land loan alternatives and determine your rates by getting in touch with the leading land loan lender in Winchester, VA.

Compare offers from 100 lenders

The magic land loan calculator

To fulfill all of your hard money lending requirements, Lendersa® uses AI technology to promptly match your loan request with numerous direct hard money lenders. Discover the best land loan rates today for financing vacant land or land with construction in VA.

Land loans and their value

Sparing yourself from unnecessary inquiries can help preserve your credit score. Obtain preapproval for your land loan without needing your social security number or any sensitive financial data.

Vacant land lending involves both construction and blanket loans; you might qualify for 100% LTV (Loan to Value) financing by pledging additional property as security (a blanket loan).

Is there hard money lending nearby?

Finding a private investor through a local hard money broker considerably enhances your chances of securing a loan. In Winchester, VA, land loans are often best facilitated by local lenders knowledgeable about the community. Proximity between the hard money investor and the property increases the likelihood of loan approval and accelerates the funding process.

Utilize the Lendersa® land loan calculator to locate vacant land loan providers in zip codes 22601, 22604.



  • Citizens and Farmers Bank
  • 415-14th Street, West Point, VA, 23181
  • 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
  • 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.
  • Defeo Capital Consulting LLC
  • 1251 Gallupe Dr, Pittsburgh, PA, 15226
  • We're the best in our field, and it's all thanks to the incredible relationships we've formed with our clients. Unlike our competitors, we're invested in developing a personal connection with each and every one of our customers, by providing quality service and being available to you 24/7.
  • PNC Bank
  • The Tower at PNC Plaza 300 5th Avenue, Pittsburgh, PA, 15222
  • Find the Lending Solution that Meets Your Needs. PNC has been lending for over 100 years. We can help find the right product for you. Finding the right home can be a complicated journey. We have tools to make sure you're finding a home that is within your budget and meets your needs.
  • Virginia Mountain Mortgage
  • 19747 Main St, Buchanan, VA, 24066
  • Bank of Botetourt "Taking Care of You"​ is more than a slogan, it's our promise to the community. For over 120 years, Bank of Botetourt has been committed to reaching out within our local communities to do all we can to further the area's overall economic development. As a community partner, we make charitable contributions for education.
  • Chesapeake Bank
  • 97 North Main Street, Kilmarnock, VA, 22482
  • 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.
  • Damen Capital Fund
  • 8 The Green, Dover, DE, 19901
  • ### Vacant Land Financing with Damen Capital Fund #### Expertise-Driven Leadership Damen Capital Fund is a direct lender specializing in 7 day closings on vacant land. #### Personalized Approach We prioritize tailor-made solutions to meet unique investor needs. ### Join Us Experience insightful guidance and secure your financial futu
  • Rehab Financial Group
  • 1062 Lancaster Avenue, #15c, Bryn Mawr, PA, 19010
  • Loaning 100% of purchase & 100% of rehab on 1-4 unit properties (including mixed-use props) in 18 states for 650+ FICO borrowers (even inexperienced). When the property is purchased via a wholesaler, we Lend 100% of the wholesaler assignment fee as long as the A to B contract price and the assignment fee doesn't exceed the AS IS value. Also lending
  • Bluebird Lending
  • 29 Bala Avenue, Bala Cynwyd, PA, 19004
  • Unlock real estate potential with Bluebird Lending, the leading business purpose lender for residential investors. We offer a blend of competitive rates, high leverage, and dedicated service, supporting developers, builders, and investors in acquiring, enhancing, and refinancing 1-4 family properties. Partner with us to transform your investment vi
  • Commercial Lenders of America
  • 21 S 11th St 4th Fl, Philadelphia, PA, 19107
  • In-House Appraisal & Legal: Forget delays! Our in-house team handles all the appraisal and legal work, ensuring a smooth, swift process No Junk Fees, No Surprises: What we promise is what you get. Enjoy complete transparency with no hidden charges. Best Interest Rates & Low Points: Maximize your profits with our competitive rates and low points.
  • BayPort Credit Union
  • 1 Bayport Way, Newport News, VA, 23606
  • 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