Hard money loans for Land & Lot financing in California

California Lot & Land Loans

Need funding for a land or lot transaction? We provide Lot and Land financing for a variety of property types and loan purposes on unimproved/improved rural, subdivision, and infill locations held for investment purposes.

Land & Lot Program Highlights

This program provides financing for lot or land that is either raw, unimproved, or improved.

  • Business Purpose ONLY
  • 1st TD or 2nd TD
  • LTV/CLTV Case-by-Case (AS IS/FV)
  • Can utilize equity from other properties to qualify
  • Loan amounts from $35k+
  • Financing requires the availability of utilities at/in the street, or nearby in order to qualify.


We are qualified, experienced, and understand the specifics of land lending and can best serve your land financing needs.

Have a Lot or Land Loan Question?

Property Types

  • Agricultural
  • Commercial
  • Industrial
  • Residential

Loan Purposes

  • Acquisitions
  • Lot Sales Programs
  • Refinance
  • Cash-out

We provide financing for transactions that don't fit a typical bank model, without the crippling fees of traditional hard money.


Jo-Ann Lapin | MLO/AE

714.838.1474 ext. 102

[email protected]

CA DRE License ID: 01203203

NMLS I.D. Number: 258823

Copyright © 2020 Hanover Mortgage Company.
California Department of Real Estate, real estate broker license #014100448.
NMLS I.D. number: 337458

Disclosure: This information is for the exclusive use of licensed mortgage and real estate professionals only and should not be distributed to the general public.

Have a Question or Loan Scenario?

Call Today 714-838-1474 ext. 102 or email

back with your scenarios or questions.