Lot & Land Loans

Lot & Land Loans

Have you found the perfect place to build your dream home? This is an exciting time! Just like your new home, a loan with BHCCU will be fully customized to fit your needs.

With a lot loan, you can purchase land before construction begins. Once building starts, your lot can be financed as part of the construction loan. If you already own the land, you may be able to use your lot as equity for your construction loan. 


All our land and lot loans are adjustable rate mortgages. 

Lot Option 1 Lot Option 1 Land
Down Payment 20% 30% 40%
Build Timeframe Build within 12 months Build within 1-3 years None
Lot/Land Size Less than 25 acres Less than 25 acres More than 10 acres


  • Local team and servicing
  • Fast processing
  • Apply online or with a local, professional Mortgage Loan Officer
  • Competitive rates and programs
  • Lower payment while planning construction loan
  • Experienced underwriting and processing
  • Use existing lot equity towards your construction loan down-payment