Check your credit score and improve it if needed
Determine the type of land you want to buy
Save for a larger down payment
Gather proof of income, assets, and debts
Research lenders that offer land loans
Compare interest rates, terms, fees, and down payment requirements
Decide whether the land is raw, unimproved, or improved
Get a survey, zoning information, and title details
Prepare a clear land-use or development plan
Apply for prequalification or preapproval
Submit the loan application with required documents
Be ready for a higher interest rate than a standard mortgage
Review the appraisal and lender conditions
Close on the loan after approval