can some one tell me who let u borrow money on ur land deed ..

Need more info.. in general, if the property is developed, then it's considered "Real Estate".. and you can borrow against real property with just about any lender in the country... if you only have vacant land, then I'm not sure there is any lender willing to do a "Cash Out" refinance on vacant land.. so the only way to get cash out of it would be to sell it.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Lisa, I'm not 100% clear what you are asking. If you own property outright you can try to obtain a loan using that property as security for the loan. Depending on the size, purpose and term of the loan the best option may or may not be a mortgage. "Land" or lot loans are not handled the same way as a loan for property that has a home already on it. If you are wanting to build a home on the property and use the equity, that is a construction or construction-permanent loan. More info would be helpful.

William is correct, most traditional lenders are unlikely to give you a cash-out loan against vacant land. I'd try your local credit union first but you'd likely either need a personal loan or a finance company to do that - be very careful what you agree to and get legal advice if you have any questions.

Private lenders may loan a small amount on land.