LAND LOAN PROGRAM
Welcome to Cotton Funding and Investment Group. This page outlines the Basic Terms of our funding options. Applicant's seeking Custom Terms should get in touch with us. At the Last Section of this page, you will find Video Reviews from recent clients we funded, as well as the Loan Application Form.
Land Type
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Raw Land Loans: For undeveloped land with no utilities or improvements.
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Unimproved Land Loans: For land with some basic infrastructure but lacking essential utilities.
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Improved Land Loans: For land that has access to utilities and is ready for construction.
Loan Term Options
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Short Term (3-5 years) for immediate development
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Long Term (Up to 20 years) for future development plans
Repayment Terms
Our Repayment terms are flexible but typically include:
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Monthly payments with interest.
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Balloon payment options at the end of short-term loans.
Program Details
Feature | Unimproved Land | Raw Land | Improved Land |
|---|---|---|---|
Cashout LTV | 70% | 65% | 80% |
Zoning Restrictions | Must comply | Must comply | Must comply |
Maximum Loan Term | 20 years | 20 years | 20 years |
Down Payment | 20% | 25% | 15% |
Minimum Score | 600 | 600 | 600 |
Interest Rate | 7%-9% | 8%-10% | 6%-8% |
Surveyed Boundaries | Required | Required | Required |
VIDEO REVIEWS
Video reviews from satisfied borrowers which highlight our commitment to transparency and customer satisfaction.
APPLICATION
Submit your Land Loan Application here.