Hard Money Loans of Jackson Hole

Property Program

Land Loans in Jackson Hole, WY

Hard money loans for raw land, entitled development sites, and agricultural properties throughout Jackson Hole, Teton County, and the greater Wyoming-Idaho region.

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Land Loans in Jackson Hole

Land loans provide capital for acquiring raw land, entitled development sites, and agricultural properties. Whether you're holding land for future development, seeking entitlements, or preparing for construction, our land financing programs accommodate various land types and development stages. Land in Jackson Hole and Teton County represents significant value and development potential.

Our land loans help investors and developers acquire strategic parcels with financing that understands the unique aspects of land investment. Raw land typically qualifies for lower LTV due to higher risk; entitled land with development approvals can qualify for higher leverage. We structure loans with terms that align with your timeline, whether you're land banking, pursuing entitlements, or preparing for immediate development.

Land Lending Expertise in Mountain Communities

We understand land valuation, entitlement processes, and development timelines in the Jackson Hole area. Environmental considerations, water rights, utility availability, and community approval processes all affect land value and development feasibility. Our team has financed land projects throughout Teton County, Star Valley, and surrounding areas. We can structure loans with interest reserves to minimize carrying costs during the entitlement phase.

From Raw Land to Build-Ready Lots

We finance the full land development spectrum. Raw land acquisition is supported at appropriate LTV. Entitlement costs, engineering, legal, permit fees, can be funded. Infrastructure installation including roads, utilities, and grading is a core use. We can fund through construction readiness, at which point construction financing or lot sales provide exit. Experienced developers with proven track records receive the most favorable terms.

Land Loan Programs

We offer specialized financing for various land types and uses:

  • Raw Land Loans: Purchase undeveloped land for future use or appreciation
  • Entitled Land Loans: Finance land with development approvals, higher LTV available
  • Land Development Loans: Fund subdivision, infrastructure, and site preparation
  • Agricultural Land: Ranch and farm property financing
  • Recreational Land: Properties for hunting, fishing, or conservation use

Land Loan Features

Our land financing program offers competitive terms:

  • Loan amounts from $100,000 to $10,000,000
  • Up to 60% LTV on raw land
  • Up to 75% LTV on entitled land
  • Interest-only payment options
  • Terms from 12 to 36 months
  • Interest reserves available for entitlement phase
  • Extensions available for entitled land
  • Phased funding for development projects

Jackson Hole Land Market Considerations

Land development in the Jackson Hole area involves unique factors. Environmental and conservation considerations can affect entitlement timelines. Water rights and utility availability vary by location. Community input and approval processes add time to some projects. Seasonal construction windows affect development scheduling. Our team understands these dynamics and structures loans with appropriate timelines and reserves. We've financed land projects throughout Teton County, Star Valley, Hoback Junction, and surrounding areas in Wyoming and Idaho.

Frequently Asked Questions

What's the difference between raw land and entitled land financing?

Raw land has no approvals for development; entitled land has received zoning, permits, or other approvals for specific use. Raw land typically qualifies for lower LTV (up to 60%) and shorter terms due to higher risk. Entitled land can qualify for higher LTV (up to 75%) and longer terms. We structure loans based on the land's development stage.

How does the draw process work for land development?

Land development loan draws are tied to project milestones, acquisition closing, entitlement completion, infrastructure phases, etc. You request draws as milestones complete; we verify and release funds. Interest reserves can be structured so you don't make payments during development, interest is capitalized from the reserve.

Do I need development experience to qualify?

We prefer developers with relevant experience, particularly for complex projects. First-time developers may qualify for smaller projects with strong feasibility, experienced team members, and appropriate equity. We evaluate each project on its merits, location, entitlement feasibility, exit strategy, and developer capability.

What types of land do you finance?

We finance residential development land, commercial land, agricultural/ranch land, and recreational property. Land can be raw, in entitlement, or entitled and ready for development. We serve Jackson Hole, Wilson, Teton Village, Dubois, Pinedale, Alpine, Afton, Victor ID, Star Valley, and surrounding areas.

What if entitlement takes longer than expected?

Entitlement timelines often extend due to permit delays, community process, or unexpected conditions. We build flexibility into land loans. Extensions are typically available for qualified projects. Interest reserves help manage carrying costs during extended timelines.

Loan Programs

Land Development Loans
Hard Money Bridge Loans
Equity Financing Loans
Construction Loans

Features

Loan amounts from $100,000 to $10,000,000
Up to 60% LTV on raw land
Up to 75% LTV on entitled land
Interest-only payment options
Terms from 12 to 36 months
Extensions available for entitled land

Requirements

Clear title with no access or encroachment issues
Zoning appropriate for intended use
Survey and boundary documentation
Environmental assessment
Exit strategy documentation
Development experience for construction exit

Other Property Types

Residential Properties

Financing for single-family homes, condos, and townhomes.

Commercial Properties

Capital for office, retail, industrial, and mixed-use buildings.

Multifamily Loans

Specialized financing for duplexes, apartments, and multifamily buildings.

Rental Property Loans

Long-term financing for income-producing rental properties.