There are ways to secure land via Florida land loans, including home equity loans, bridge loans, seller financing, and more. If you're looking to purchase vacant land in Florida, you'll likely need to explore getting a land loan.In Florida, you cannot take out a commercial loan to buy a rental property if you plan to live in that property yourself. Realize the plans for your dream home with a lot and land loan. First Florida offers great financing options for lots up to 10 acres. ✓ Financing options for land purchases in Florida include traditional mortgages, construction loans, land equity loans, and raw land loans. Land loans are used to finance the purchase of a plot of land. Farm Credit of Florida is a leader in agricultural and rural financing. We serve 36 counties in northern and southern Florida.