Vacant Land Loans in Wisconsin: Buy Land Now, Build Later
If you’re ready to buy land in Milwaukee, Waukesha, Madison, or anywhere in Wisconsin, you’re not alone. Whether you plan to build your dream home later or simply hold onto the property as an investment, the first step is finding the right vacant land loan.
At Union Home Mortgage, we offer a specialized Vacant Land Loan Program that makes it easier to purchase or refinance land - even when traditional financing doesn't fit.
🌲 Why Buy Land?
Vacant land is one of the most versatile and undervalued assets in real estate. Buyers use land for:
- Future custom home construction
- Recreational or agricultural use
- Holding as a long-term investment
- Expanding current property lines
But most lenders don't offer land loans - or if they do, the terms are rigid. That's where our program shines.
Still comparing options? Here’s how NerdWallet ranks top land loan programs.
✅ Loan Highlights
Our land loan program is designed for flexibility:
- Loan amounts from $100,000 to $865,000
- Up to 65% LTV for purchases
- Up to 60% LTV for cash-out refinances
- No acreage limitations
- No prepayment penalties
- Loan terms up to 20 years
- Minimum credit scores: 660 (purchase), 680 (refinance)
- Investment occupancy only
👉 Available throughout Milwaukee, Waukesha, Madison, Brookfield, Green Bay, and rural communities across Wisconsin
🧾 Is a Vacant Land Loan Right for You?
This program is perfect for:
- Real estate investors purchasing buildable land
- Buyers who don't meet full conventional lending guidelines
- Homeowners planning to build later, but want to secure the lot now
- Clients using the land for personal or recreational purposes
Before you buy, be sure to check for zoning or usage limits through the Wisconsin DNR land use page.
Want to research local lots or boundary data? Start with county-level land information portals.
📍 Local Knowledge. Expert Guidance.
As a Wisconsin-based mortgage professional, I work directly with local realtors, title companies, and land buyers to make the process seamless - even when other lenders say no.
From property reviews to custom loan structuring, my team and I are here to help.
Explore how this program compares to other loan options at Union Home Mortgage.
💬 Ready to Secure Your Land?
If you're eyeing a plot in Milwaukee, Waukesha County, Green Bay, Madison, or anywhere in the state, don't wait for it to disappear from the market. Let's talk about how to finance it the smart way - with no unnecessary roadblocks.
📞 Call/Text: 414-975-2654
📩 Email: azeman@uhm.com
🌐 Apply Online at mkemortgage.com
Adam Zeman
Mortgage Loan Originator - Union Home Mortgage
Helping buyers finance vacant land across Wisconsin
You found the perfect lot - now let's help you own it.