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Save up to $5,000 on closing costs on a 15-year Lot or Land Loan

What makes a Lot or Land Loan right for you? You’re ready to buy your very own piece of the world, whether it’s a parcel of land or a lot to one day build a home. We can help you save money upfront and get a low rate.


  • Save up to $5,000 on closing costs1 – We’ll cover you up to $5,000
  • No origination fee – We won’t charge you this typical fee
  • Get a low, fixed rate – Save over the life of the loan
  • Great Loan to Value Ratios – Our max LTV ratios are 90% for lot loans and 80% for land loans


Lot/Land Loan Rates
Product Points APR Rate as low as... Payment example
Land 15 YR Fixed * 0% 7.402% 7.250% $1232.36
Lot 15 YR Fixed * 0% 6.897% 6.750% $1194.63
* Based on a $135,000 Loan Amount with a 80% LTV and FICO>=740. Payment examples do not include taxes; actual payment may be greater.
1. The program offer to save up to $5,000 in select closing costs does not include mortgage insurance, seller paid closing costs, origination fee, discount points or pre-paids and reserves. It is not valid for FHA and VA loans. Closing costs may vary based on transaction. 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.


Security Service NMLS #458903 Membership eligibility required. Loan subject to credit approval. Financing available for properties in Texas, Colorado or Utah. Minimum loan amounts may apply. Rates subject to change. 


† APR = Annual Percentage Rate. The APR is accurate as of 7/1/22.
◊ Image is for illustrative purposes only. Not an actual member.