Land loans are not a standard USAFG product offering however on rare occasions, they can be considered. USAFG recognizes the land availability issue for mid-market builders attempting to buy in growth markets. The environment is becoming disadvantageous for mid-market builders since the larger builders are able to purchase the land with cash and land availability is becoming less accessible to the middle market builder through option contracts and non-specific performance sales requirements. The marketplace today does warrant consideration of tolerance to finance land for short terms. USAFG will consider land loans that are for no more than 6 months initially, include 40-50% cash equity, and an LTV of no more than 50% on a discounted basis.