How do I apply for a raw land loan?

Depends whether it is a building lot or quite a bit of acreage. Lots are generally financed by banks and credit unions (20-30%) downpayment. Acreage is harder depending on your intent. You may want to contact a local community bank or keep asking local lenders, if your plan is to develop it for multiple home sites you'll need to find a commercial lender who will finance - very hard to do except for large companies.

Hi Phil,I can do your loan. Give me a call to discuss 510-332-3282. I'm in California as well.Linda

I mean Marissa, not Phil - sorry ;)

Land loans are much more difficult to get than a real estate loan.. for this reason, you might not have a lot of options.. There are companies out there that specialized in land loans, but the terms are not going to be attractive.. large down payment, higher rate and fees.. so be prepared.. If you looking to purchase a lot and build a home on it, then a construction loan would be more suited for your scenario.. it's hard to guess since you didn't give much info, so I suggest you contact a local mortgage broker.. once they see the whole picture, they can advise you properly.. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com