Raw land financing in Pennsylvania

A raw land loan is financing for undeveloped ground with no buildings on it. It is the category buyers most often get turned down for, because there is no dwelling to appraise, no income from the property, and a thinner set of comparable sales to work from.

Terms are typically stricter than a home loan — often in the range of 20–40% down with shorter terms. The figures vary by lender, parcel, and borrower. Farm Credit and a number of Pennsylvania community banks do actively lend on bare ground, which is why knowing which lenders participate is most of the work.

Contact me and I'll walk you through the options that fit the parcel you're looking at.

This is part of the full guide to farm and land financing in Pennsylvania, which covers lenders, programs, down payments, and 18 common questions.