Land Loan Refinance
Purchasing a piece of land is a significant investment. However, you may require a land loan refinance solution to unlock a few possibilities. We can help you refinance your land loan so that you can enjoy a lower monthly installment.
940+
Loans Funded
854+
Clients
$4.5B+
Loans Amount
Overview
Refinance Loan Terms
Land loan refinance replaces your existing land loan with a new one, ideally with improved terms. It can be a strategic move to unlock new possibilities for your investment.
How can you determine whether you require a refinance land loan? The first step is considering the interest rate, loan term, and penalties. If you are unsatisfied with any of these, you can choose refinancing.
We are one of the trusted land loan refinance lenders offering different loan programs. Assess all the options and see which one works best for you.
From interest rates to loan terms, compare every minute detail to determine which one to choose.
Amortization: 30 years amortization with no prepayment penalties
Loan Amount: $1 Millions to $50 Million
Min Credit Score: 680
Interest Rate: As low as 5.99%
Closing: from 14 to 21 days
Maximum LTV: Upto 70% Loan to Value
Adjustable and Fexible rates are available
Nationwide Lending
What we finance
When does a land loan refinance make sense?
Most refinances start with a deadline or a goal. Here are the common ones.
Rate-and-term refinance
Replace your loan with new terms or a new maturity, without taking cash out.
Balloon payment due
A short-term or balloon loan is maturing and needs to be paid off.
Bank will not renew
A bank declined to renew or extend your land loan.
Bridge to longer-term
Refinance now while you arrange permanent or longer-term financing.
Consolidate land debt
Combine loans secured by the same land into one.
Equity Land Loan
Release equity from land you own to buy more property, fund development or return capital.
Compare lenders
Refinance with us or stay with your current lender
A refinance is worth it when the current loan no longer fits. Here is when it does.
When Choose us
A balloon payment is due and the bank will not extend.
Your lender declined to renew.
You want to pull equity from land quickly.
You need a bridge while permanent financing is arranged.
Look at a bank, Farm Credit or FSA when
Your lender will renew on acceptable terms.
The loan is below our minimum.
You do not need to cash out, and rates are favorable.
You have a long runway before maturity.
Underwriting
How we underwrite a land refinance?
The appraisal, the payoff and the plan for the proceeds decide the loan.
Current appraised value
A new appraisal sets the loan amount against up to 70% LTV.
Payoff and liens
The existing loan payoff, any other liens, and clean title.
Use of the property
How the land is used today and whether it generates income.
Use of proceeds and exit
What the cash will be used for and how the new loan will be repaid.
Our Recent Closings
Agricultural Land Refinance
Calhoun, TN | $1,000,000
Refinance 110 Acre Agricultural Land
New Cuyama, CA | $1,500,000
Refinance Agricultural Land
Fergus County, MT | $8,700,000
Related financing
More agricultural financing
Agricultural loans
Our farmland and farm real estate overview
Land loan
We offer direct lending for land finance.
Vacant land loans
We offer loans for raw, rural and entitled land.
Also see our hard money loans and bridge financing.
Where we lend
Ranch and land loans by state
Select your state for local details.
Texas
Colorado
Ohio
Utah
California
Arizona
Oklahoma
Indiana
Idaho
Florida
South Carolina
Wisconsin
Alabama
Georgia
Tennesse
Miami
Michigan
North Carolina
Nevada
Illinois
Land loan refinance FAQs
What is a land loan refinance?
A land loan refinance replaces an existing loan on land you own with a new one. It can lower the burden of a maturing loan, change the term, or release equity as cash. The new loan is secured by the land.
What is a land equity loan?
A land equity loan lets a landowner borrow against the value of land they own and use the proceeds for other purposes. At Private Capital Investors, we do this through a cash-out refinance that pays off the existing loan and releases the remaining equity within our loan-to-value limit.
Can Private Capital Investors pay off a balloon payment?
Yes. A refinance can pay off a maturing or balloon loan, and can fund in as few as 14 days when the appraisal, title and other reports are ready.
How fast can you close?
Funding can take as few as 14 days, depending on how quickly the appraisal, title and other reports are completed and on the complexity of the deal.
What credit score do I need?
What do I need to apply?
- Property address, acreage and current use
- Existing loan statement and payoff amount
- Purpose of the proceeds and your exit or repayment plan
- Entity documents and ownership details
- Credit information (minimum score 680)
Talk to our team about refinancing your land
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road, Suite 1050, Dallas, TX 75201
895 Dove St Ste 394, Newport Beach, CA 92660, United States
Phone:
972-865-6205
949-340-1552
Email:
info@privatecapitalinvestors.com