We fund vacant land purchases for investors in and around Asheville, North Carolina: Buncombe, Madison, Haywood, Henderson, and McDowell counties. Written quote in 24 hours, close in about 7 days.
Asheville is the center of the North Carolina mountains, where mountain land and rural homesites sell to buyers from across the East. Investors buy it, split it, and resell it on terms.
Close fast and beat other buyers
Land loans around Asheville
We value the land ourselves
You deal with the person who funds the loan
Mountain acreage and homesite land around the city.
Rural mountain land to the north.
Mountain acreage to the west.
Rural land to the south and east.
Our Asheville land loans are for investors and businesses buying vacant land to resell, hold, or split in Buncombe, Madison, Haywood, Henderson, and McDowell counties.
Loan size runs from $30,000 to $1,000,000 and is up to 65% of value, capped at 80% of the purchase price. Rates are 14% interest only on loans of $100,000 and up and 16% under $100,000, for a 2 year term, with no points at closing. Costs outside the rate are simple: $600 at closing, $25 a month for servicing, a 2% exit fee at payoff, and a 5 month minimum on interest. There is no appraisal. We underwrite from the contract price, recent sold comps, road access, and how fast similar parcels have sold in that county. If the numbers work, you get a written quote within 24 hours and close in about 7 days.
The parcel has to be at least 2 acres with deeded or recorded easement access. North Carolina uses deeds of trust. Mountain land needs extra homework: check how much of a parcel is usable given the slope, confirm the road access is legal and recorded, and get a septic evaluation before you promise buildable lots.
In the Asheville area, what sells fastest is mountain land with a gentle building site, a year round road, and a view, within a reasonable drive of Asheville, Weaverville, and Hendersonville. Buyers come from across the East, and land on the far side of the ridges in Madison and McDowell Counties often sells on terms.
Many Asheville area buyers want monthly payments instead of a bank loan, so reselling on terms is a natural exit. If you sell that way, we can buy the note you create for 80 to 90% of the balance.
An 8 acre North Carolina land purchase financed with a $51,200 loan, closed in 7 days with no appraisal.
Read the North Carolina loan case study →Yes. We fund vacant land purchases in and around Asheville, including Buncombe, Madison, Haywood, Henderson, and McDowell counties, from $30,000 to $1,000,000 with 20% down and no appraisal.
About 7 days once we have a signed contract, clear title, and your entity documents. You get a written quote within 24 hours.
14% interest only on loans of $100,000 and up, 16% under $100,000, for 2 years. $600 at closing, $25 a month servicing, and a 2% exit fee at payoff.
Vacant land of 2 acres or more with legal access, bought by an LLC or corporation for a business purpose such as a flip, a split, or a resale on terms.
Yes. If you sell Asheville area land with seller financing, we can buy the note for 80 to 90% of the balance, at closing or later.
We are a direct hard money and private money lender for vacant land in Asheville, NC. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 14% to 16% interest only, with 20% down, no appraisal, no points at closing, and about 7 days to close. Every loan is for business purposes with a personal guarantee.
See our hard money land loan terms →Send the contract and the parcel. Written quote in 24 hours, close in about 7 days.