Skip to Content

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

Apply for a Mortgage

Find a Mortgage Specialist



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


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
Membership and eligibility requirements apply. Payment example: A fixed-rate residential lot loan for $100,000, amortized over 20 years, with 20% down at 7.500% and an Annual Percentage Rate (APR) of 8.248% would have a monthly payment of $805.59, with a balloon payment due after 5 years of $87,707.90