Vacant lot and acreage financing for Gold Country parcels. Improved lots, raw land, down payments, and construction-to-permanent paths with Susanne Bell at Empire Home Loans.
Susanne Bell, Loan Consultant
Empire Home Loans
Phone: (916) 802-8917
Email: [email protected]
NMLS# 2534795
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.
Vacant lot and acreage financing for Gold Country parcels. Improved lots, raw land, down payments, and construction-to-permanent paths with Susanne Bell at Empire Home Loans.
LOAN PROGRAMS
Vacant Lot & Acreage Financing
Financing for vacant lots, buildable parcels, and rural acreage when a standard home loan does not apply. We match the parcel, the down payment, and your plan to hold or build.
A land loan finances a vacant parcel — raw acreage, a buildable lot, or a rural tract — without a completed home as collateral. That is a different product from a conventional, FHA, VA, or USDA mortgage. Lenders look at the land itself: access, utilities, zoning, and whether you plan to hold it or build soon.
A lot loan buys the dirt. A construction loan funds the build. Some borrowers do both in sequence; others look for a one-time-close construction-to-permanent loan once plans, permits, and a builder are in place. Knowing which file you are starting saves weeks of mismatched applications.
Improved lots are easier to finance than raw land — and a conversation before you write an offer is the fastest way to know which path fits.
can walk through land-loan options, down payments, and what lenders look for — privately and with no obligation.