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Bare Land, Acreage and Lot Loans

Get a loan to buy bare land in the country or a lot located in a small town. Even if you plan to build a future home on the property, in most cases, water, well and septic aren’t required at time of financing.

Both fixed-rate and fixed-to-adjustable interest rates are available with a variety of repayment options. You can learn more about available loan terms here.

Finance raw land, lots and acreage

  • No acreage restrictions
  • Agriculturally-zoned properties are eligible
  • Power, well and septic aren’t typically required
  • Flexible timelines for future home sites
  • Refinancing programs are also available
  • No time limits for building

Planning to buy land now, build later?

If you plan to build on the land you’re buying, you may want to consider a One-step Construction Loan. With this convenient loan, you can buy land and build with one loan, one set of fees and one closing. Timelines for building are flexible with multiple interest rate and payment options available. You can learn more about available loan terms here.

One-step construction loans

  • One loan, one set of fees and one closing
  • Interest-only payments during construction*
  • Flexible time periods for construction
  • Interest rates locked in during construction


Ready to apply?

Take the next step and contact your local relationship manager.

Get Started



    To learn more about any of our rural home loan programs, please contact your local branch or call 866-552-9172 during business hours.


    *Available rates and loan terms vary by program.

    Equal Housing Lender All loan actions are subject to program availability. Certain conditions and restrictions may apply. NMLS #543727