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Florida Land Loan Requirements

Florida Land Loan Requirements

Benefit from our extensive product range and competitive interest rates with our Florida Land Loans, providing the flexibility you require.

Finance expansive ranches, fertile farms, or pristine raw land and agricultural acreages with enticing long-term, fixed interest rates and rewarding cash-back dividends. 

The dream of owning a spacious abode, with ample room for the entire family, is within reach. Allow us to assist in transforming that dream into reality. Your perfect place awaits, and we have the means to finance it!


Florida Land Loan Requirements:

  • Minimum Credit Score of 660
  • Minimum 35% down payment
  • Up to 55% DTI
  • Purchase Only
  • Traditional Income Documentation – W2’s, Tax Returns, & Pay Stubs or;
  • 12 Month Bank Statement Program [ Business or Personal ] or;
  • 12 Month of 1099’s or;
  • 12 Month P & L or;
  • Asset Depletion / Asset Qualifier
  • Land can be individual buildable lots, investment, income producing property with acreage, recreational properties [ ex. hunting, farming, etc.. ] and much more
  • No prepayment penalty
  • Loans with no acreage limitations
  • Repayment terms of up to 20 years
  • Minimum loan amount of $100,000
  • Maximum loan amount of $825,000
  • Can be for Farm and Ranches
  • Can be for Recreational Property
  • Can be for Investment Property
  • Can be for Rural Developments
  • Can be for Raw Land

Florida Land Loan Refinance Requirements:

  • Up to 65% LTV for Rate & Term
  • Up to 60% LTV for Cash-Out
  • Minimum Credit of 680
  • Minimum of 24 months ownership of property at time of refinance

Florida Land Loan Benefits:

  • Flexibility: Land loans offer the versatility to acquire land for its potential, particularly in areas poised for upcoming business opportunities or future development. You have the freedom to hold onto the land until the opportune moment arises for your construction project.

  • Blank Space: Procuring land prior to any construction provides you with a pristine “Blank Space.” This allows you to envision and actualize your dream home or commercial space according to your specific preferences and requirements.

  • Transition to Construction Loan: When the time comes to embark on construction, your land loan seamlessly transitions into a construction loan. This integration facilitates financing for both the land purchase and construction costs, paving the way for the transformation of your land into a fully realized property

When your ready to get started on your Florida Land Loan, we are Florida Land Loan Mortgage experts to guide you through the entire process, the first step is getting you pre-approved. You can apply online or you prefer to speak with one of our Florida Land Loan Mortgage Experts, we would be happy to speak with you. Call or text us at 407-955-4575.

Get Pre-Approved by Florida Land Loan Experts

Florida Land Loan Requirements