Whether you're buying or refinancing land to build your dream home, our Lot Loan offers competitive rates and flexible terms. Secure the perfect piece of land today and start planning your future home.
Features:
- Purpose-Built Financing. Designed for individuals purchasing or refinancing land for a future personal residence.
- Fixed Rate & Term. Enjoy stability with a fixed-rate and term. 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).
- Flexible Loan-to-Value (LTV). Finance up to 75% of the appraised value of your land, with a maximum loan amount of $200,000.
Loan must be in the 1st lien position. Buildable residential lots/acreage only. Property must be zoned for residential 1-4 family prior to closing. The borrower is responsible for closing costs.
Certain restrictions apply.
We Have a Loan for That
We have a loan for you! Explore a wide range of borrowing options from Capitol Federal®. Our experienced Loan Professionals and branch staff are ready to help you find a loan tailored to your specific needs.
- Mortgage Loans
- Home Equity Loans
- Student Loans
- Personal Loans
Scammers are Impersonating Banks. Here’s How to Protect Yourself.
Scammers may spoof Capitol Federal phone numbers and claim they are calling about suspicious transactions or online banking activity. Never share passwords, PINs, account credentials, or one-time security codes with anyone who contacts you unexpectedly.
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Capitol Federal® Appoints William Skrobacz Jr. As President
Capitol Federal Financial, Inc.® (the "Company," "we" or "our"), the parent company of Capitol Federal Savings Bank (the "Bank"), today announced the election of William “Billy” Skrobacz Jr. as President of the Company and the Bank, effective October 1, 2026.
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