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Lot or Land Loan

When you secure the ideal location for your dream home with a Security Service 15-year-fixed lot or land loan for up to $200,000, we’ll pay up to $5,0001 in select closing costs and charge no origination fee.

15-Year Lot or Land Loan
Take that first step to home ownership...

Mem​ber Reviews
  • No Closing Costs – Up to $5,0001 of select closing costs are paid by Security Service
  • No Origination Fee – Other financial institutions may charge as much as 1% of your total balance
  • Fixed Rates - We offer 15-year, fixed rate lot and land loans
  • Great LTV Ratios – Our max Loan-to-Value ratios are: 90%, lot loan; 80%, land loan

Lot/Land Loan Rates

Rates as low as...
Points APR  
15-Year Fixed* 6.750% 0% 6.870% Apply

*Based on a $135,000 Loan Amount with a 80% LTV and FICO>=740.

More Benefits:

  • Full Disclosure – Track rates and estimate monthly loan payments with Rate Tracker
  • No Lot Loan Acreage Limits – Lot size will conform to the area
  • Secure Your Rate – Lock in your interest rate and discount points for up to 30 days with Rate Lock2

​Membership eligibility required. Loan subject to credit approval. No Closing Cost offer does not cover mortgage insurance, seller paid closing costs, discount points, or pre-paids & reserves. The program is not valid for FHA or VA loans. If loan is closed or paid off within first 36 months of the term, member may be required to reimburse all or some of the closing costs incurred.

  1. Does not include mortgage insurance, seller paid closing costs, origination fee, discount points or pre-paids. The no closing program is not valid for FHA and VA loans. Closing costs may vary based on transaction.
  2. Applies to fixed rate mortgages with terms of 10, 15, 20, or 30 years and Adjustable Rate Mortgages (ARM) with a term of 30 years. The interest rate can be locked for a period of 30 days. Interest rate will be guaranteed provided member provides the credit union with all documentation, information, and certifications requested. Members must satisfy all loan approval conditions in a timely manner in order to allow the credit union adequate time to process and fund the loan within the lock period.

Financing available for properties in Texas, Colorado or Utah.

†  APR = Annual Percentage Rate. The APR is accurate as of 9/25/15.

Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program. Cash-out refinance transactions may be significantly different then the rates shown above.