TOTAL MORTGAGE Scott Arcari · Loan Officer
561-972-0544
HELOC for Land Buyers

Buy the lot next door before someone else does.

Use the equity you already have to move fast on the parcel next to yours — no need to sell first, no waiting on a traditional purchase loan.

Start My Application → Or call Scott directly
How the equity moves
YOUR LAND equity available LOT NEXT DOOR available now $ funds in one payout
3–5 days
to fund once your documentation is complete
No sale
required on your existing land or home first
Cash-like
offer strength when competing for the parcel

Funding timeline assumes complete, correct documentation is provided up front — Scott will tell you exactly what's needed on day one.

The Process

From equity to closing table

01

Apply & get valued

Submit the short application. Scott pulls your current equity position and gets you a line amount within days.

02

Pick your amount

Choose the exact amount you need to buy the lot — that's the number that gets approved, not an open-ended line.

03

It funds in one shot

Once approved, the full amount disburses at closing in a single payout — no draw schedule, no partial funding.

Why It Works For Land Buyers

Built for the way you actually flip land

Speed beats a listing agent's timeline

Adjacent lots move fast between neighbors. A HELOC already in place means you can make an offer the same week it comes up.

Keep your current land untouched

You're borrowing against equity, not selling. Your existing parcel keeps working for you while you add the one next to it.

One number, one payout

You choose the amount you need up front, and the whole thing funds in a single disbursement at closing — no draw schedule to track.

One point of contact

Scott handles the file directly — no call center, no runaround, and he already knows the land-flip playbook.

Quick Answers

Before you apply

What can I use as collateral for the HELOC?

Most commonly the equity in your primary residence. Scott can walk through what qualifies based on your specific situation.

How much can I borrow?

It depends on your equity position and credit profile — Scott will give you a real number after a short review, then that's the amount that funds in one payout at closing.

Does it have to be a one-time payout?

That's the fastest option and what most land buyers choose, but Scott also brokers traditional draw-based HELOCs if a revolving line fits your situation better — just ask when you apply.

Does this work if I'm buying through an LLC?

Tell Scott how you're structuring the purchase and he'll confirm what documentation the line requires.

Ready to lock in the line before the lot's gone?

Start the application now — Scott will follow up personally within one business day.

Start My Application →