Land Loan. For That Place To Call Your Own.

Buy land or refinance a land loan with confidence. So you can start from scratch to build something great.

Smiling family of four Affinity Plus members, in front of a home with solar panels.
Kelly, Molly, Mitchell & Cullen, Affinity Plus Members

What You Get

No Acreage Limits

Finance any size of lot or land parcel.

And our full appraisal of every acre means you’ll get the maximum value for your land.

No Requirement to Build

Secure your land when the time’s right for you.

And when you're ready to build, we offer a Construction Loan.

Flexible Financing

Finance up to 80% of the appraised land value.

Our low, fixed rates and flexible terms help make your land purchase affordable.

Low Closing Costs

We offer competitive closing costs and make them easy to understand, so you’ll know early on exactly what they are.

Getting Started is Easy

Get Started

Apply online to start the approval process. A mortgage loan officer will reach out to complete the application process.

Returning Applicants

Return to an application you've already started, securely upload documents, and check the status of your application.

We're here to help.

You can connect with a mortgage loan expert for questions you have about our home loans.


A Land Loan is secured by a second-position mortgage lien on the property. 20% down payment is required. Loan must be repaid with monthly electronic or Automated Clearing House (ACH) payments over the term of the loan. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Homeowner's property insurance is required, and flood insurance may be required. New or existing Affinity Plus membership is required.

Closing costs will apply ranging from $340 - $1,000. Ranges are based on a minimum loan amount of $10,000 and a maximum of $100,000.