Lot Loans

Buy it to build now.

  • Our short-term lot loan gives you two years to finalize your house plans and choose a builder.
  • Enjoy the security of a fixed rate with interest-only payments.
  • Buy with just 30% down.
  • When you’re ready to build, roll the balance of your loan into our All-in-One Custom Construction Loan.
Washington Federal can help with your construction loans, contact us today.

20-Year Fixed Lot Loan

70% LTV, Improved Land
​6.​500% Rate
​​6.​​675% APR
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Or buy the perfect land to build later.

  • Our lot loan is the perfect solution for helping to finance your future dream home.
  • Enjoy fixed-rate and payments over 20 years.
  • Buy with as little as 30% down.*

Rate is subject to change as well as credit approval and underwriting guidelines. For example, a loan amount of $300,000, down payment of 30% ($128,600), pre-paids of $500 and a settlement fee est. of $500, and a 1.00% loan fee results in a principal and interest payment of $2,237. Available on loan amounts up to $350,000. Ask us about a short-term lot loan.