Lot and land loans for improved subdivisions, Hill Country acreage, and rural parcels across Texas. Build now with a construction loan or hold and build later — we finance both.
From subdivision lots to rural acreage, we finance land across the state. Estimate your future build with our mortgage calculator.
Finance lots in established subdivisions with utilities, roads, and infrastructure already in place. Lower down payment requirements and better rates than raw land.
Finance rural Texas acreage, Hill Country land, and unimproved parcels. Higher down payment (20%+) reflects the added risk, but portfolio lending options provide flexibility.
If you plan to build within 12–24 months, we can structure your lot loan to transition into a ground-up construction loan when you're ready. One lender, one relationship.
Unlike construction loans, lot and land loans don't require you to start building immediately. Hold the land as an investment or build when you're ready.
We assess the land type, location, access, utilities, and your intended use to recommend the best financing structure.
Get pre-approved for your land loan. We verify your income, assets, and credit to determine your maximum budget and terms.
A land survey and appraisal confirm the property boundaries and value. Environmental and soil studies may be needed for build-ready financing.
Close on your Texas land purchase. Hold it, develop it, or transition to a construction-to-permanent loan when you're ready to build.
Common questions about financing land in Texas.