Lot Loans
Claim Your Corner of the World Today
The right property doesn't wait for your timeline. With a lot loan from DFCU, you can secure land now and build when you're ready. Competitive rates starting at 7.75% APR, affordable payments based on 30-year amortization, and an easy path to construction financing give you the flexibility to plan without pressure.
Choose the Timeline That Matches Your Plans
If you're ready to break ground soon, our 3-year balloon loan provides low monthly payments while you finalize construction details. Need more time? A 5-year balloon gives you extra breathing room. At the end of your term, you'll either make a balloon payment or refinance, ensuring your financing stays aligned with your building plans.
3-Year Balloon Loan
AS LOW AS
7.75%APR*
5-Year Balloon Loan
AS LOW AS
8.00%APR*
Hold Your Dream Property While You Plan
Lot loans are designed to keep your options open. Choose between 3- or 5-year balloon terms, each with payments spread over a 30-year schedule to stay budget-friendly. You'll need just 20% down, and both primary and secondary residence lots are eligible. It's a smart way to lock in today's land prices while you finalize your vision for the home ahead.
Utah and Idaho Specialists Who Know the Market
Our lending officers understand the nuances of local zoning, lot requirements, and builder practices. With in-state decision making, personal relationships with area builders, and on-the-ground knowledge of Utah and Idaho markets, we ensure you're supported from application to construction.
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
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
*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.