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Michael Daniel Investments MICHAEL DANIEL INVESTMENTS PRIVATE LENDING
Homeowners Investors We Buy Properties for Cash (818) 937-9987
Laguna Niguel, CA · Land Financing

Land Loans in Laguna Niguel
Raw and Entitled Land Financing.

Financing for raw, unentitled and entitled land in and around Laguna Niguel, sized against the appraised value of the parcel.

✓ Raw & entitled land
✓ Purchase or refinance
✓ Up to 50% LTV
✓ $50K–$5M+
Submit Your Deal
No obligation. A real person will follow up.
Land loans are for vacant or unimproved land, not homes or buildings.

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Land Loans in Laguna Niguel

What to Know About Laguna Niguel

Laguna Niguel is a hillside, master-planned city in south Orange County, mostly built from the 1970s through the 1990s. Nearly every neighborhood has a homeowners association, many homes have ocean or canyon views, and the city borders Aliso and Wood Canyons Wilderness Park.

The few vacant lots in Laguna Niguel tend to be hillside parcels, where slope and geology determine whether and how a house can be built. The appraisal reflects those limits. We lend up to 50% of appraised value, purchase or refinance.

How It Works

Land Loan Terms

Based on Appraised Value
The loan is sized against the land’s appraised value, not the purchase price. Without an appraisal, we can’t lend.
50% LTV Maximum
We lend up to 50% of appraised value, whether you’re buying the parcel or refinancing one you own.
Raw or Entitled
Vacant, unentitled and entitled parcels, where most conventional lenders won’t go.
Up to 50%
Of Appraised Value
$50K–$5M+
Loan Amounts
Appraisal
Required

Rates, points and fees depend on the parcel and the deal and are disclosed in writing before you commit.

Where We Lend

Laguna Niguel Neighborhoods

We lend throughout Laguna Niguel and the rest of Orange County, including these areas.

Marina HillsBear Brand RanchBeacon HillNiguel Summitneighborhoods along Crown Valley Parkway

Straight Answers

Land Loans in Laguna Niguel: Questions

Do you lend on a sloped vacant lot in Laguna Niguel?

Yes, at up to 50% of appraised value. The appraisal will consider slope, geology, access and fire-zone requirements, all of which affect what the lot is worth.

Do you lend in Laguna Niguel?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Orange County deals directly, including Laguna Niguel, rather than handing them to an out-of-state call center.

How much can I borrow against land?

Up to 50% of the appraised value, purchase or refinance. That’s a ceiling, and the appraisal sets the number, so we can’t move forward on a file without one.

More in Laguna Niguel

Cash-Out Second Mortgages in Laguna NiguelConstruction Loans in Laguna NiguelFix and Flip Loans in Laguna Niguel

Land Loans Elsewhere in Orange County

IrvineAnaheimHuntington BeachYorba LindaMission ViejoLake ForestCosta MesaNewport BeachFullertonGarden GroveSanta AnaOrangeWestminsterBuena ParkTustinSan ClementeLa HabraFountain ValleyPlacentiaRancho Santa MargaritaAliso ViejoCypressBreaDana PointLaguna BeachSan Juan CapistranoLaguna HillsSeal BeachStanton

Have a Parcel in Laguna Niguel?

Tell us about it and we’ll give you a straight answer.

Get Started → or call (818) 937-9987

Serving Laguna Niguel and Orange County, California

Michael Daniel Investments, Inc.

417 Arden Ave, Suite 121A, Glendale, CA 91203 · (818) 937-9987

California Department of Real Estate DRE# 02037255 and NMLS# 233991.