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Land and Lot Loans

Take your dream location off the market fast with a large range Lot Loan programs. Interest only payments with terms up to 5 years. Buy now and build later.


  • 20yr Term with 3yr Balloon or 20yr Term with a 3yr Balloon I/O

  • Interest Only Programs
  • FAST Closings
  • Up To 5 Acres

Loan Programs

Terms of the loan will vary by lender, but common lot loans include fixed and adjustable balloon type products, which amortize the loan over 30 years. Most lenders require anywhere from 10% to 20% down payment and at least one utility available from the street. Lot loans provide financing for the acquisition of unimproved land that you intend to build your dream home on in the near future and 2nd home sites.


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