Land Loan Program:

Hard money land loans are used to finance the purchase of a plot of land. They are used when the buyer is interested in buying a piece of land to build a home or utilize for business purposes. Our hard money land loan programs allow for the purchase or refinance of raw or entitled land for development.

Lending Criteria & Guidelines:

  • Loan Amounts: $100,000 – $2,500,000
  • Property Type: Land – Raw or Entitled
  • Loan Type: Purchase or Refinance – 1st Trust Deeds only
  • Loan-to-Value: Up to 25% LTV on Raw Land; Up to 30% on Entitled Land; Up to 35% LTV on Entitled & Permitted Land; Up to 40% on ‘Shovel Ready’ Land
  • Terms: 1 to 4 years with Balloon – Interest Only Payments (amortization available)
  • Occupancy: Owner Occupied and Non-Owner Occupied
  • Underwriting: Equity Driven, Bank Statements, No Tax Returns (other docs apply)
  • Property Valuation: Appraisal Required
  • Interest Rates: Starting at 12.99%
  • Points & Fees: 2+ Points plus Underwriting & Valuation of $2,995+
  • Broker Protection: Broker Friendly – We pay Commissions!
  • “Yes, We Can!”: Low FICO – BK – NOD – Foreign National – Self Employed


Why Mortgage Vintage, Inc.?

Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans for real estate investors and business owners.  All Mortgage Vintage loans must be secured by California real estate. We provide:

  • Same Day Term Sheets – Professional Service
  • Easy Loan Submission, Quick Turnaround, 7 Day Fundings
  • Fast, Flexible and Transparent Loan Process
  • Over 30 years Financial Industry Experience
  • Funding Based on Committed Terms
  • Surety of funding through CrowdTrustDeed’s simple and secure online marketplace
  • Se Habla Español


Sandy MacDougall – (949) 632-6145 – [email protected]