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Residential Lot Loan – National Full Documentation & Stated Income Programs
 
**Due to changes in market conditions and investor guidelines, we no longer have access to any stated income lot loan programs.
The program described below is only available for borrowers who can fully document their income.
 We are unware of any investor who will allow a stated income option on their lot loan programs at this time**
AAXA is pleased to provide residential lot loan financing through several different wholesale lenders. As a mortgage broker, we have been able to select from a wide variety of programs to find some of the most competitive lot loan financing in the mortgage industry.

We are thrilled to offer our customers a set of products that are ideal for borrowers who intend to build a primary residence or second home within one to five years. Several of these programs are interest only lot loan products which will help keep payments low during the fixed period of the loan. Please click on the following link if you are searching for an investment property lot loan.

Benefits:
Creative financing solutions
Both ARM and balloon products to offer maximum flexibility
As little as 10% down for full doc lot loans
Loan amounts up to $1,000,000
Financing for up to 50 acres

Basic Parameters*:
0-20 Acres – 10% Minimum Down*
21-30 Acres – 25% Minimum Down*
31-40 Acres – 30% Minimum Down*
41-50 Acres – 35% Minimum Down*
* (may vary by loan size)

Full Documentation Option
$1,000,000 available with 10%-30% sliding down payment scale
660 Minimum credit score < $650,000
700 Minimum credit score $650,001-$1,000,000

* Additional terms and conditions may apply. Displayed criteria is subject to change without notice. Please contact an AAXA Loan Advisor for information.

You can apply for a lot loan using our Secure Online application.
or
Call 877-RATE-LOW (877-728-3569) - Ask for our Lot Loan Team

As a mortgage broker, we have access to thousands of programs from some of the nation’s top lenders. If the aforementioned requirements are not a solid fit for your situation, please give us a call to discuss other alternatives. Chances are that we will have the lot loan financing that you are searching for - 877-RATE-LOW (877-728-3569). Please note that the guidelines above are for multiple programs for several different lenders. Don't worry if all the details of the loan program appear complicated and a bit overwhelming. Our loan advisors are industry experts and it is their job to sort through all the nuances of all the available programs and find the perfect fit for you. They will ask lots of questions and learn all they can about your situation in order to serve you well!

Various Lot Loan Programs:

Southeastern Lot Loan Programs – FL, GA, NC, SC & VA Only
Second Home and Investment Property Lot Loans
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