Lot Loans
Claim Your Corner of the World Today
With a lot loan from DFCU, you can secure land now and build when you're ready. Competitive rates start at 7.75% APR*.
Loan Options
Current Rates
3-Year Balloon Loan
AS LOW AS
7.750%APR*
5-Year Balloon Loan
AS LOW AS
8.000%APR*
Hold Your Dream Property While You Plan
Lot loans are designed to keep your options open. Choose between 3-year or 5-year balloon terms, each with payments spread over a 30-year schedule to stay budget-friendly. These loans require a 20% down payment. They are available for primary and secondary residences. It should be noted that balloon payments include a lump sum due at the end of the term. And when you’re ready to build, easily transfer it to a DFCU Construction Loan.
Your Perfect Home Starts With the Perfect Lot
Whether you've found pristine mountain acreage or a suburban corner lot, DFCU lot loans help you secure it now with payments that won't stretch your budget. And when you're ready to build, we'll be right there to transition you into construction financing. Your place in the world is waiting.
Become a Member Today
Become a Member Today
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*The annual percentage rate (APR) listed above represents our best available rate. Further, your individual rate may be higher depending upon your creditworthiness. Offer subject to change. Membership and eligibility required. Terms and conditions apply. OAC.
3-year Lot Loan example: Monthly payments for a $180,000 loan would be $1,108.62 for 36 months. This is assuming a 20% down payment and an interest rate of 6.25% (6.345% Annual Percentage Rate.) Finally on month 36, the last payment will come due in the amount of $174,347.52. The purchase transaction payment listed is an example only. It does not include taxes or insurance premiums. As such, your actual obligation amount and APR may be greater.