Land-Only Loans for Future Home Projects

Adam Buttermore | Houston Loan Officer & Mortgage Lender | Licensed in TX, IN, FL & TN

Adam Buttermore is a Houston-based mortgage lender with 20+ years of experience helping homebuyers, refinancers, and investors secure the right loan with confidence.

At Adam Closes, we help buyers take the first step toward their future homes with flexible land-only loans. Whether you’ve found the perfect piece of property to build on later or you’re investing in land for future development, we make financing simple, clear, and efficient.

A land-only loan allows you to purchase vacant land without committing to immediate construction, giving you time to plan, design, and build when the time is right. These loans are ideal for buyers who want to secure property in desirable areas before prices rise or availability changes.

With more than 20 years of lending experience, Adam and his team walk you through every step — from evaluating zoning requirements to understanding loan terms and repayment options. Our goal is to make purchasing land straightforward and stress-free, so you can focus on your long-term vision for your future home.

Why a Land-Only Loan Might Be Right for You

 

Land-only loans give buyers flexibility and control, making it easier to invest in property now and decide how to develop it later — all with simple, transparent financing.

Purchase Without Building Immediately
Secure your property now and start building when the time fits your plans.
Flexible Loan Terms
Choose from a variety of repayment options tailored to your goals.
Investment Potential
Own land in growing areas to build equity and long-term value.
Future Construction Ready
Prepare for future homebuilding with land that’s already financed and under your name.
Land-only loans are ideal for buyers who want to invest in their future — securing property now, with confidence and flexibility for what’s next.

What to Expect from Our Land Loan Process

 

From application to closing, our team simplifies each step — reviewing property details, zoning, and eligibility to ensure your land purchase is fast, clear, and seamless.

Quick Welcome Call

We start with a quick introductory call to understand your goals and answer your questions.

Complete our secure online application and upload your documents at your convenience.

We run a soft credit check with no impact on your score and issue a pre-qualification if possible.

With pre-qualification in hand, you can shop confidently and get your home under contract.

Once under contract, we work quickly to close your home, usually within 30 days.

Want to Know What Loan Option Is Right for You?

 

Buying land is the first step toward creating your dream home or future investment. Adam, makes the process simple and transparent with personalized land loan programs designed to fit your plans.

Whether you’re purchasing your first piece of property or expanding your portfolio, we’ll walk you through every detail with care and clarity. Call today or fill out the quick form below to start your land loan pre-qualification.

Frequently Asked Questions

Can I finance raw land with a mortgage?
Yes, land loans are available for raw or improved lots, though they often require higher down payments and stricter underwriting than traditional home loans.
Down payments typically range from 20% to 50% depending on whether utilities and road access are established. Raw land carries higher lending risk.
Land loans usually have higher interest rates because they are considered riskier than residential mortgages. Rates vary based on location and borrower profile.
Yes, many borrowers finance land first and later refinance into a construction loan when they are ready to build.

Find out your home loan options today

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