We fund vacant land purchases and buy seller financed land notes across all 33 New Mexico counties, from the Rio Grande Valley to the high plains.
New Mexico is one of the most active markets in the country for low priced acreage sold on terms. Big parcels, low prices, and buyers who want monthly payments make it a natural fit for land investors.
Close fast and beat other buyers
Statewide New Mexico coverage
We value the land ourselves
You deal with the person who funds the loan
Buy vacant land in New Mexico with a Damen Capital acquisition loan. Written quote in 24 hours, close in about 7 days.
Selling New Mexico land with seller financing? We buy land notes for 80 to 90% of the balance, at closing or any time after.
Acreage within reach of Albuquerque, from the Estancia Valley to the west mesa.
Large, low priced parcels around Deming, Las Cruces, Alamogordo, and Truth or Consequences.
Recreational and mountain land with strong buyer interest and tighter inventory.
Wide open ranch and range land around Tucumcari, Santa Rosa, Clovis, and Roswell.
Rural acreage around Farmington, Gallup, and Grants.
New Mexico land loans from us are for investors and businesses buying vacant land to resell, hold, or split. That covers most of what trades here: big acreage in Luna, Torrance, and Valencia Counties, mountain land in Rio Arriba and Taos, and ranch land on the eastern plains.
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. Closings run through a New Mexico title company.
The parcel has to be at least 2 acres with deeded or recorded easement access. Access is the first thing we check in New Mexico. Many older platted subdivisions were sold decades ago with roads on paper that were never built, and a lot with no legal, usable access is hard to resell. Water is the second thing: know whether the parcel has a well, a shared well, or no water at all, because your buyers will ask. New Mexico foreclosures usually go through the courts, so clean title and real resale demand matter more than the story.
Buyers for New Mexico acreage often cannot get a bank loan but can make a monthly payment, so reselling on terms is the natural exit. If you sell that way, we can also buy the note you create, at closing or later, for 80 to 90% of the balance. We have done exactly that here: see the New Mexico note case study below.
A 28 acre New Mexico parcel sold for $35,000 with 20% down. The seller sold the note to us at closing and collected $28,000, 80% of the sale price.
Read the New Mexico note case study →We do not buy land outright. But if cash buyers are lowballing you or bank financing keeps falling through, sell the land yourself with seller financing: collect a down payment and carry a note. Then we buy that note for 80 to 90% of the balance, at closing if you want, so you walk away with most of your sale price in cash.
Yes. Private land acquisition loans from $30,000 to $1,000,000 anywhere in New Mexico, 20% down, no appraisal, about 7 days to close, business purpose only, 2 acre minimum.
Up to 65% of our value of the land, and never more than 80% of the purchase price. Loans run $30,000 to $1,000,000.
14% interest only on loans of $100,000 and up, 16% under $100,000, for 2 years. $600 at closing, $25 a month servicing, a 2% exit fee at payoff, and no points at closing.
Yes. We buy seller financed New Mexico land notes for 80 to 90% of the balance, at closing or any time after.
We can, as long as the parcel has legal access and resells. Price it for what it is. Land with a well or water nearby usually sells faster, and we underwrite from how fast similar parcels have sold.
We are a direct hard money and private money lender for vacant land in New Mexico. 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.