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Home lot loans 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 home lot loan right for you?

If you’ve found a great residential lot, our home lot loan is the perfect solution to secure the land financing even when you’re not quite ready to build yet. You can finance land 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 home lot loan into a construction loan. Find a mortgage specialist or request a free consultation

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Learn about financing land with Lot Loans from MIDFLORIDA Credit Union

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

Homeowners Insurance

Are you covered?

Protect your home inside and out. Compare multiple carriers to find the best deal available. Insurance products provided by MIDFLORIDA Insurance Services, LLC. Lic. #L084232
Notices & Disclosures
Membership, eligibility, and credit approval required. Payment example: Based on a minimum credit score of 700 a fixed rate residential lot loan for $100,000, amortized over 20 years, with 20% down at 8.000% and an Annual Percentage Rate (APR) of 8.760% has a monthly payment of $836.44, with a balloon payment due after 5 years of $88,362.01. Advertised terms are valid as of November 27, 2023 and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.