Buying land sounds simple. Find a piece of dirt you like, pay for it, done. But once you get into it, lot loans make things weird fast. It’s not like buying a house. Banks don’t see raw land the same way they see a place with walls, plumbing, and a roof. Dirt doesn’t make monthly payments on time. So the rules change.

A lot of folks come in thinking they’ll just grab a normal mortgage loan for a vacant lot and call it a day. That’s not usually how it goes. You’re dealing with lot loans, which sit in this awkward middle space between personal loans and traditional home financing. Not impossible. Just… different.

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