Banks see raw land as riskier than a house, so land loans usually carry bigger down payments and shorter terms. Local banks and credit unions are often the best source.
Options
- Local bank or credit union land loans.
- Construction-to-permanent loans if you're building right away.
- Farm Credit lenders for agricultural land.
- Seller financing.
Know This
- Lenders look closely at road access, survey, and whether the land can be built on (perc test, zoning, and Adirondack Park Agency rules inside the Blue Line).
General information only — not a loan offer or financial advice. Program terms, limits, and rates change; confirm current details with a licensed lender.