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Meet My New Go-To Land Lender: Why I Recommend Rural 1st for Lot Loans

Published on: 5/7/2025

As a real estate agent, I work with a lot of clients who want to buy land and eventually build their dream home — but financing land isn’t always easy. Most banks require 40% down, offer high interest rates, and stick you with short loan terms that don’t match your construction timeline.

That’s why I’m excited to share my new go-to land lender: Rural 1st®.

This is one of the best lot loan programs I’ve ever come across, and it's tailor-made for people buying land now and planning to build later. Whether you're eyeing a desert parcel, rural acreage, or a future homesite — this program makes it possible without overextending.


Why Rural 1st Is My Preferred Lot Loan Lender

✅ Fixed Rates on Bare Land

Many lenders only offer variable rates for raw land — not Rural 1st. They give you fully fixed-rate options, so you can lock in now and not worry about market swings.

✅ Lower Down Payments

Forget 30–40% down. Rural 1st’s program allows for far more manageable down payments, making land ownership accessible.

✅ Roll Your Lot Loan Into a Construction Loan

When you're ready to build, your land equity counts. You can roll your existing lot loan into a construction loan, and they’ll credit your land, outbuildings, and improvements toward the new loan — potentially reducing your cash requirement even further.

✅ Easy Rate Reduction

If rates drop after you lock in, you don’t have to refinance. A simple call and small fee lets you reduce your rate hassle-free.

✅ Full-Service from Start to Finish

They don’t sell your loan or pass you off to a call center. Rural 1st services your loan from day one to the very end — including when you're ready to build.


Perfect for Buyers Who Want to:

  • Buy land now, build later
  • Get out of renting while planning for the future
  • Own rural property or a desert escape
  • Break into custom home building without a huge upfront cost

Need a Land Loan?

If you've been struggling to figure out how to buy land or thought it was financially out of reach — this is the solution. I’ll be recommending Rural 1st to all of my land-buying clients moving forward.

Contact Jeff Mendez
Senior Rural 1st Loan Officer
📞 909.827.2560
📧 Jeff.Mendez@Rural1st.com
🌐 Rural1st.com | ☎️ 1.844.GO.RURAL


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Reach out today to discuss your property needs. As a bonus to filling out this contact form, you will recieve my Ultimate Buyers & Sellers guides. If you are going to sell, You can also share photos of your property with me by attaching them in the form. I also offer a live chat that goes directly to my cell on the website you can access by clicking the message button on the right-hand side of your screen.