Best thing is to go with a local small branch bank that knows the area. Local banks typically know the geographical vicinity and are more understanding apt to lend on land as well as construction loan. Google local Laguna Beach local banks and start calling to see which one fits your needs best.
Good Luck
Nick
Sotheby's International
949-254-4775
Source: http://www.zillow.com/advice-thread/land-lot-loan-southern-CA/491647/
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