Our Land Loan options have been temporarily suspended. We hope to have these programs available again in the near future. Thank you!

California Land Loan

The California land loan is ideal when you are building your dream home from the ground up.

california land loan

Minimum Down
The minimum down is 25%.

Maximum Loan Amount
Loan amounts up to $1,000,000.
Loan amounts greater than $1,000,000 are considered on a case by case basis and will be subject to a larger down payment.
Financing for vacant land purchases with construction plans within three years.

Terms Available

Financing Your California Custom Home
As soon as you have a construction budget, an PHL loan officer will pre-qualify you for a construction to permanent (CTP) loan. The CTP loan will pay off your land loan, finance construction expenses, and will automatically roll into the permanent loan of your choice, once construction is completed.

Pacific Home Loans will consider financing the land acquisition, construction expenses, and the permanent loan all in one loan on a case-by-case basis.