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Financing for the perfect piece of land

Building your dream home starts with the perfect lot. Let us help you with the financing, while you finalize your house plans.


Is a lot loan right for you?

If you’ve found a great residential lot, our lot loan is the perfect solution to secure the land even when you’re not quite ready to build yet. You can finance up to 80% of the market value and make affordable payments for the next five years, giving you time to plan for your dream home.

Affordable payments
Fixed rate
Financing up to 80%
Once you’re ready to build, our mortgage specialists can take care of the necessary steps to convert your lot loan into a construction loan. Find a mortgage specialist or request a free consultation

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Learn about Lot Loans from MIDFLORIDA

  • Fixed rate
  • Financing up to 80% of market value1
  • Payments calculated using up to 20-year amortization, with 5-year balloon payment
  • Easily converts to a construction loan


How much home can you afford?

Begin your search for a new house knowing exactly what will fit in your budget. Once you find your dream home, you’ll be able to make your offer, confident that you have the financing to seal the deal.
Notices & Disclosures
Payment example: A fixed-rate residential lot loan for $100,000, amortized over 20 years, with 20% down at 7.000% and an Annual Percentage Rate (APR) of 7.511% would have a monthly payment of $775.30, with a balloon payment due after 5 years of $87,031.85.