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Land

  • Loan program for the purchase of improved real estate as a future home site.
  • Maximum loan-to-value 75%.
  • Maximum lot size is 20 acres.
  • Five year maturity (due and payable); amortized over 20 years.
  • Fixed rate loan--no prepayment penalty.
  • No gifted funds / secondary financing not permitted.
  • One lot loan per customer—must have recorded road access to property.
  • Site improvements include water, power accessible to property, road access and copy of soils analysis that was completed within the last 5 years, plus perk test.
  • Property value for determining financing amount is based on the purchase price or appraised value, whichever is less.

NOTE: All terms and conditions are subject to change without notice.

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