Lenders for land loans specialize in financing the purchase of raw, undeveloped, or vacant land. These loans can be more difficult to secure than traditional mortgages due to the increased risk for lenders. Borrowers typically need a strong credit profile, a larger down payment, and a clear plan for the land's use. Options include banks, credit unions, and private lenders. Each lender may offer different terms based on land type—raw, improved, or developed. Whether you're buying a lot to build on or investing in acreage, the right lender can make all the difference in structuring your deal successfully.