Lenders using AI on vacant land in Oak-Harbor, WA 2026!

Review and contrast the offerings from 302 land loan lenders available in Oak-Harbor, WA.

The typical price for an acre in WA is $54,703. The loan-to-value (LTV) ratio for undeveloped plots is between 17.95% and 68.27%, while the estimated LTV for loans on developed plots in WAName ranges from 37.34% to 76.49%.

The true value and loan LTV of a piece of land depends on its location, dimensions, topography, zoning regulations, and any existing entitlements.

Contact the leading land loan lender in Oak-Harbor, WA, to explore your loan options and determine current rates.

Examine offers from 100 different lenders

The advanced land loan calculator

Lendersa® AI technology quickly aligns your loan request with numerous direct hard money lenders to ensure all your hard money lending needs are met. Explore the premier land loan rates today to secure financing for any vacant land or land with construction in WA.

Understanding land loans and their value

Avoiding unnecessary credit inquiries can maintain a good credit score. Get preapproved for a land loan without having to provide your social security number or other private financial information.

Construction loans and blanket loans are integral to the vacant land lending process; you might qualify for 100% LTV financing by pledging additional property as collateral (blanket loan).

Exploring hard money lending options in your area?

Your chances of securing a loan significantly increase when you find a private investor through a local hard money broker; land loans in Oak-Harbor, WA are best handled by local lenders familiar with the locale. The closer the hard money investor is to the property, the better the odds for loan approval and faster the funding process.

Utilize the Lendersa® land loan calculator to identify vacant land loan lenders in zip codes 98277.



  • Novus Home Mortgage, a division of Ixonia Bank
  • 2119 McCulloch Blvd N, Lake Havasu City, AZ, 86403
  • Lends in Washington
  • We offer full documentation, no documentation, bank statement programs, DSCR (Investment properties), asset depletion, land loans, commercial, OTC construction and cross-collateralized loans too. My commitment to honesty and integrity and extensive knowledge have made me a “go-to guy” for borrowers and other mortgage and real estate professionals.

  • Oak Tree Capital
  • 23046 Avenida de la Carlota #600,, Laguna Hills, CA, 92653
  • Lends in Washington
  • Oak Tree Capital

    Growing Futures

    Oak Tree Capital helps clients secure real estate capital solutions with a steady, people-first approach. Explore flexible funding, responsive service, and clear guidance from start to close.


    We focus on private money / hard money loans from as small as $100,000 to $200,000,000

    We can find solutions for the most difficult loan problems.

    Visit homeatoaktree.com or call 833-464-8646 to get started.

  • Serv Corp
  • 1968 S. Coast Hwy Suite 1222, Laguna Beach, CA, 92651
  • Lends in Washington
  • A Serv Corp private money loan provides flexible short-term financing solutions for investors to purchase new properties, refinance existing investments or fund renovation. Close in 7-10 days. Rates from 10.0%
    Up to 85% LTC & 70% ARV
    No application fees
    Get pre-approved in minutes
    Close in 7-10 days
    Low Costs Fees start at 1.25 Points

  • G&R FINANCIAL SERVICES/NO FICO HOME LOANS
  • 30141 ANTELOPE ROAD, SUITE D818, MENIFEE, CA, 92584
  • Lends in Washington
  • Trust in 30 yrs of experience! We're the friendly faces of hard money ready to turn your R.E. dreams into reality. Credit or income hiccups? No problem! We’ve seen it all & still love to say "yes." Don’t let traditional lenders rain on your parade—our umbrellas are always open. Act now & join the hundreds we've helped climb the property ladder. Thi

  • United Equity Finance and Realty
  • 24302 Del Prado, Dana Point, CA, 92629
  • Lends in Washington
  • The scope of my real estate finance purview extends to originating primarily both HECM and private jumbo reverse mortgages. Additionally as a realtor my focus is in assisting homeowners both buy and sell in Greater Los Angeles. My goals in effort to best support my clientele are to extend my network of real estate finance professionals including bo

  • Champion Funding LLC
  • 7402 S Upham St, LITTLETON, CO, 80128
  • Lends in Washington
  • Business loans are one of the most versatile forms of business financing available to owners on the market today. Champion Funding LLC can help you build the right loan product and get funding for your business to meet your unique business needs, for your next Investment property

  • Broadmark Realty Capital Inc.
  • 501 S Cherry St, Suite 1100, Denver, CO, 80246
  • Lends in Washington
  • Broadmark Realty Capital Inc offers short-term, first deed of trust loans secured by real estate to fund the acquisition, renovation, rehabilitation or development of residential or commercial properties. Broadmark Realty Capital manages and services its loan portfolio across a variety of market conditions and economic cycles.

  • Impulse Capital Partners, LLC
  • 41877 Enterprise Cir suite 200, Temecula, CA, 92590
  • Lends in Washington
  • Impulse Capital Partners was founded with a singular mission: to empower real estate investors with the financial tools and expertise needed to realize their investment potential. With years of experience in the private lending space, we specialize in providing customized financing solutions for non-owner occupied properties, including fix and flip

  • KP RE Capital Group
  • 300 S EL Camino Real, San Clemente, CA, 92672
  • Lends in Washington
  • Discover KP RE Capital Group, spearheaded by industry leader Philip Doyle. Specializing in real estate investment strategies, KP RE Capital Group excels in providing personalized solutions to maximize property portfolio performance. With a commitment to transparency and client success, they navigate the complexities of real estate with expertise an

  • MB Capital Ventures
  • 2604B El Camino Real, Ste 156, Carlsbad, CA, 92008
  • Lends in Washington
  • MB Capital Ventures specializes in real estate and project finance. We focus on providing better terms for all types of real estate transactions and development projects. There is not an asset class or size we cannot touch. Most of our deals are between $1M and $10M. We have incredibly attractive financing programs for $25M+.

  • Enact Partners
  • 7668 El Camino Real, Carlsbad, CA, 92009
  • Lends in Washington
  • Enact Partners is a hard money lender providing business purpose loans that are collateralized by real estate. Located in Southern California, we pride ourselves on customer service, fast and efficient loan validation, allowing you to be an effective real estate entrepreneur. We build customized investment portfolios secured by real estate.