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Land Financing
Build Your Dreams to Life!
Welcome to our comprehensive financing hub! Whether you're dreaming of building your perfect home, starting a farm, or creating a recreational retreat, we offer tailored financing solutions to help you purchase the vacant land you need. Explore our diverse options and let us guide you towards making your vision a reality. Let's turn that plot of land into the foundation of your future!!

by Melissa Holt

Flexible Property Types!
  • Individual Buildable Lots
  • Investment
  • Income Producing Property with Acreage
  • Recreational Properties (Hunting, Camping, etc.)
Flexible Features!
  • No prepayment penalties
  • No acreage limitations
  • Repayment terms of up to 20 years
  • Minimum loan amount of $100,000
  • Maximum loan amount of $1,000,000
  • Minimum credit score: 660 for Purchase, 680 for Refinance
  • Minimum down payment: 35% (Cash out refinance is max of 60% LTV)
  • Perc test generally not required
Flexible Qualifications!
  • Transunion only credit report (not a tri-merge)
  • ITIN Borrowers Allowed
  • Some Derogatory Credit Events Allowed (contact me to discuss your individual scenario)
EXAMPLE LAND LOANS:
Examples are based on a Transunion credit score over 740 with 35% down, utilizing a full document traditional income verification program, and a 20 year fixed rate loan repayment term. Can be paid off or refinanced at any time.
NEXT STEP: Get Pre-Approved!
1
Complete your loan application.
Click on the "Apply Now" button in the top right corner of this webpage. Feel free to email, call or text me with any questions!
2
E-Sign any Disclosures.
Once you've submitted your loan application you will need to sign back in to e-sign your consents.
3
Submit required documentation.
I will email you a list of documentation that is needed to verify your income based on how you wish to proceed.
HAVE QUESTIONS?
Do you have questions or a scenario you wish to discuss?
No problem! You can call, text or email me anytime!
425-753-4247
My Commitment To You
In every transaction, I am committed to the following:
  • Your Best Interests First: Your goals are my priority. I’ll do my utmost to ensure your best interests are at the forefront of every decision.
  • Honesty and Transparency: I believe in clear and open communication. I will always be upfront and honest with you about the process and any potential challenges.
  • Professionalism and Expertise: I am dedicated to providing you with the highest level of professional service and expertise. I will work diligently to ensure your needs are met.
  • Accessibility and Support: I am always available to answer your questions and provide support throughout the process. You can reach me by phone, email, or text.
About Me:
My name is Melissa Holt and I've been helping clients with home financing since 2001! I was a bank and retail lender for over 22 years and I now run my own broker business so I can help even more families! If you wish to learn about benefits of working with a broker, click HERE.
When I'm not working, I'm running between soccer practices and games, camping, visiting with friends or working on home projects. I love music and dancing! My passion is people and puzzles are my game
Melissa J. Holt; NMLS #331083; [email protected]
Empire Home Loans, Inc. NMLS #1839243
PHONE: (425) 753-4247
Empire Home Loans, Inc., NMLS ID#1839243, CA DRE# 02086593, CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional licensing information. The corporate office address is 4401 Hazel Ave., Ste. 135, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc. supports equal housing opportunity.estimate is provided for illustrative and informational purposes only based on the initial basic loan scenario provided. This is not a loan approval or commitment to lend. Rates effective as of 10/23/2024 and are subject to change. Annual Percentage Rate (APR) is an estimate based on criteria provided. Until you lock your rate, APR and terms are subject to change or may not be available at commitment or closing.