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Lot Acquisition Loans

Acquiring a lot for your dream home is a phone call away!

If you are thinking of building a new home and need a place to finance the property, your credit union can help. We offer lot acquisition loans with easy terms and low fees to assist you in reaching your dream!


  • You must be credit union member.
  • Your lot must be approved residential zoning.
  • You must purchase your land with the intention to build a home, or combine the land with your existing home.

Benefits to You :

  • Your credit union will loan up to 80% of the purchase price or appraised value (whichever is less).
  • You are able to take time to pay off your lot, which could serve as your down payment when you are ready to build! Our lot loans come with a maximum term of 5 years, or a 5-year balloon with 10 year amortization.
  • You receive simple interest on this loan with no pre-payment penalties.