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Land Loans for Future Home Sites   

Get a loan to buy bare land in the country or a lot located in a small town, so when you’re ready, you can build your dream home. Water, well and septic aren’t required to get financing for your land loan and there are no time limits for building. 

Finance raw land, lots and acreage 

  • No acreage restrictions*
  • Agriculturally-zoned properties are eligible 
  • Power, well and septic aren’t required 
  • Flexible timelines for future home sites 
  • Refinancing programs are also available 
  • No time limits for building 
Both fixed-rate and fixed-to-adjustable interest rates are available with a variety of repayment options. Learn more about available loan terms here.* 

Convenient, All-in-One Construction Loan 

You may also want to consider an All-in-One Construction Loan. With this convenient loan, you can buy land and build your future home 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.*

All-in-One land and home construction financing:  

  • 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 

Land loans for recreational use 

Northwest FCS also offers a fully amortized land loan product to purchase recreational land. If you’re looking to buy property for hunting, camping, fishing or relaxing, contact us today to discuss options. 

Ready to apply?

Take the next step and contact your local relationship manager.

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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. Certain restrictions and conditions apply. 

EHL logo All loan actions are subject to program availability. Certain conditions and restrictions may apply. NMLS #543727