Loans on lots and acreage are commonly more difficult to obtain than most other loans, but are available at very specific terms.

Normally a loan on a lot or acreage is written based on a 30-year loan with a balloon payment due from 1-3 years after the initial closing.

Most lenders that will do loans on lots and acreage want to have these loans converted to construction or construction/permanent loans during that 1-3 year time period.  In most cases that will work for most borrowers.