What is the process with buying land no immediate intent to build?

I’m not up to date on current rates, but most lenders require 50% down to finance land. At least they did a few years ago.

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Local banks are your best bet to deal with

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That was my experience. But I ended up going with a local bank not really local to my area, over an hour away.

I paid more than their typical client because of distance, but they still killed anyone else's offer. They seem to write a lot of land loans.

I would call locally owned banks in your surrounding area.

Just talking to a bank about this earlier this week.

First American Bank and Trust

100% financing 4.7, 5 yr based on 15 yr amortization
90% rate 4.4
Credit score 700
Both require auto debit

Looked into this recently.
Red River Bank does them with the minimum down payment.

Check out southern Ag credit or Louisiana land bank

That number is 20%

I've used LA Land Bank and First American for land purchases. LA Land Bank will do the larger parcels, while First American like to stay under 15 acres. I use First American as my business bank because their customer service has been amazing.

The loan process at First American was MUCH easier, but the rates and Patronage at LA Land Bank may make it a better fit on longer terms and larger plots.

I'd probably call a farm credit services type lender and ask about a USDA rural land loan.