We fund vacant land purchases and buy seller financed land notes across all 29 Utah counties, from the Wasatch Back to red rock country.
Utah land runs from mountain acreage near the Wasatch Front to low priced desert parcels in the south and west. Investors buy both and resell them to buyers who want room to roam.
Close fast and beat other buyers
Statewide Utah coverage
We value the land ourselves
You deal with the person who funds the loan
Buy vacant land in Utah with a Damen Capital acquisition loan. Written quote in 24 hours, close in about 7 days.
Selling Utah land with seller financing? We buy land notes for 80 to 90% of the balance, at closing or any time after.
Mountain acreage within reach of Salt Lake City and Park City.
Rural acreage and small farms in the middle of the state.
Recreational land near Cedar City, St. George, and the national parks.
Large, low priced parcels in northeast Utah.
Big, open desert parcels at low prices.
Utah land loans from us are for investors and businesses buying vacant land to resell, hold, or split. That covers most of what trades here: recreational land in Iron and Kane Counties, rural acreage in central Utah, and large parcels in the Uinta Basin and the West Desert.
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 Utah title company.
The parcel has to be at least 2 acres with deeded or recorded easement access. In Utah, water is the big question. Know whether the parcel comes with a water right or a share in a water company, because a buildable lot usually needs one and buyers will ask. Check access carefully on desert parcels, where roads on the map are not always legal access. Utah uses trust deeds, but we still lend on access, clean title, and resale demand first.
Buyers for rural Utah acreage often want monthly payments instead of a bank loan, so reselling on terms is a 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.
What sells fastest in Utah is recreational acreage near the southern Utah parks and mountain parcels within reach of the Wasatch Front, where buyers are plentiful. Low priced desert land in the West Desert and the Uinta Basin sells mostly on terms, to buyers who want space and a getaway. Parcels with a water right or a clear path to water move first.
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 Utah, 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 Utah land notes for 80 to 90% of the balance, at closing or any time after.
Not to sell, but it helps. A parcel with a water right or water company shares is usually easier to resell as a homesite, and we underwrite from how fast similar parcels have sold.
We are a direct hard money and private money lender for vacant land in Utah. 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.