Buy land and start financing today! A land loan, sometimes called a lot loan, enables you to purchase a plot of land where you can build a home.Whether you're purchasing property or improving it, we offer competitive financing for recreational property, weekend retreats, and hunting ranches. Are you ready to claim a piece of Texas as your own? Make an appointment today with one of our lending specialists to find out more about a Texas land loan. Texas Farm Credit's mortgage division can finance anywhere from 5 to 100 acres with the loan process basically remaining the same. Private Money Land Purchase Loans. We help Texas developers and investors purchase land for subdivision, future construction or wholesaling. The SBA works with Texas lenders to offer competitive land loans for real estate purchases and construction. A member of the farm credit system will very likely be the best lender for you if you are purchasing over 10 acres of raw land with no improvements.