Residential Lot Lending
Improved & Unimproved

Single Family, Duplex, Tri-Plex, 4-Plex, Multi-Family, Vacant Lot, Non-Owner, Land, Second Home, Owner Business Purpose, No Doc, Stated Doc, Light Doc, Bank Statement Programs, Expanded DTI Allowances, No Ratio, Loan to Values Up to 90%, No 4506, All Property Conditions, Recent Foreclosure or BK Ok, Individuals, Trusts, Foreign Nationals, Corp LLC, 1st & 2nd Mortgages, No Seasoning, Purchase, Refinance, Cash-Out, Equity, Bad Credit OK

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Construction Ground Up
Construction Completion

Builder, Spec, Owner Builder, Custom Home, Commercial, Multi-Family, All Construction, Individuals, Corporations, LLCs, Partnerships, Trusts, Estates, International, Investors, Combine Multiple Properties, Multiple Home Construction, Condo, Construction, PUD, Ground Up, Broken Construction, Completion Funds, Acquisition & Construction. Quick, flexible dispersals. One-week turnaround on draw requests, Custom draw schedules.

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Commercial Lot Lending
Improved & Unimproved

Multi-family, Land, Apartments, Retail,Office, Mixed-Use, Cross-Collateral, Special Use, No Doc, Stated Income Loans, All Property Types, All Conditions, Bad Fico Ok, No Tax Returns, Vacant Ok, No Debt-to-Income Ratio, No Debt Service, No Financials, Fast Close, High Loan to Value, High Loan to Cost, Trusts, Foreign Nationals, Corp LLC, 1st & 2nd Mortgages, Cross Collateral, No Seasoning, Purchase, Refinance, Cash-Out, Equity Based, Land

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The only true Residential and Commercial Lot Lender specializing in loans that are hard to close, with the most competitive Alternative lending rates in the private banking industry. From unimproved lots to commercial development investment funds to apartment Buildings, purchase or refinance cash out. We offer simple hassle free fast funding. With over 30 years of combined underwriting we understand all areas and all property types. Urban or rural, metropolitan city or diversification zone we can help you close fast. Contact us today for free quote. Call or email we actually pick up the phone and respond instantly. Get a free rate quote now click here.



We have a deeply rooted understanding and appreciation for lending, and we are an ideal partner for any broker, developer, builder, realtor, banker, entrepreneur or buyer. We bring significant wholesale resources and credibility. We maintain a long-standing commitment to our core values of honesty, integrity, and loyalty. We strive to close deals quickly and make the entire process smooth.


Thanks! Request Sent. Please allow 20 minutes for response via email or phone call. If after 7pm Pacific the contact will be next business day. Please check your spam folder just in case.


Year Established


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Average Days To Close Escrow


 Multiple County  Representation


Submission/New Deal Review

For new deal submissions please contact a local account executive at (800) LOT-1034 or email sub@LotLending.com. Loans submitted by 2pm Pacific will receive a loan approval by 7pm same day. If you prefer a representative contact you please use the online quick quote system engine click here. A representative will contact you in 20 minutes or less.

For deals in progress, underwriting inquiries or the doc/funding department please use the Instant Contact Us Form below or please call: (800) LOT-1034 Ext 17.

Construction Draw Accounts Requests

In the closing package of your documents you will find a first payment letter and a draw request form. Please follow the directions located on that document or contact your local account executive. To find your local representative please use the Instant Contact Form provided.



Tel:  800-LOT-1034

Fax: 800-568-1034

Click here for Free Rate Quote

Instant Contact Us Form

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