Lot Loans

Lot Loans

Purchase the Land of your Dreams

Consumer Lot Loan Features

  • This loan program is intended for use by individuals that are purchasing or refinancing buildable land for constructing a personal residence in the future.
  • The qualifying payment will be a fixed-rate 10-year amortized payment, with a balloon payment required for the remaining balance at loan maturity (5-year loan term).
  • Fixed-rate.
  • Fixed-term.
  • Up to 75% of the collateral’s appraised value (subject to program maximum loan amount).

Consumer Lot Loan Rates

Rates and fees are subject to change without notice. Rates are effective as of June 16, 2024.

Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)
$1,000 to $200,000
60 months 75% 10.750% 11.207%

Consumer Lot Loan Disclaimer

Loan must be in 1st lien position. Buildable residential lots/acreage only. Property must be zoned for residential 1-4 family prior to loan closing.

The maximum loan amount is $200,000 or a Maximum Loan-to-Value (LTV) of 75%, whichever is less. The maximum LTV is calculated using the appraised value of the property. For example, if the property value is $100,000, the maximum loan amount is limited to $75,000 ($100,000 multiplied by 75%).

Interest rates for lot loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. Using the example of a $200,000 loan, 59 monthly payments of $2,726 would be required with a final payment of $128,862. Estimated maximum payment does not include amounts for taxes and insurance.  Actual payment obligation may be greater. Minimum payments will not repay the outstanding principal. The entire outstanding balance is required to be paid at loan maturity.

Certain restrictions apply. Borrower is responsible for closing costs.

Apply online

Complete a CapFed® consumer loan application online.


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