Build on it. Hunt on it. Or just enjoy the natural beauty.

Affordable rates

With adjustable-rate loans, you can lock in years of lower payments.

Lower down payments

Get your hunting preserve or building lot for just 20% down.

Friendly service

Our experienced lenders can get your application processed quickly.

At Fox, we offer affordable loans for both residential lots and undeveloped open space.

Some want to find the perfect spot for the house of their dreams. Others are looking for a place to bag a buck or to build a weekend getaway cottage. Whether you're looking for a lot in the suburbs or open space in the country, Fox has an affordable loan that can help make your little slice of heaven happen.

  • Choose from a variety of Adjustable-Rate Mortgages (ARMs) by locking in rates for 1, 3, 5, 7, or 10 years; after that initial period, your interest rate may be adjusted annually until the loan is paid off. 
  • Up to 30-year loans available
  • Affordable 20% minimum down payment
  • In-house approval process to help ensure your loan is processed quickly
  • Refinancing options available

Run the Numbers

Checking made easy

Simplify money management with flexible checking features that fit your lifestyle.


APR = Annual Percentage Rate. On a $100,000 10/1 ARM amortized over 30 years with initial interest rate of 2.875%, with APR of 3.054%, after fixed period of 10 years rate may increase yearly, on the eleventh year your rate can increase by a maximum of 3% above the initial interest rate, and every year thereafter 2%, with a max lifetime cap of 5%. Payment example: Months 1-120 at 2.875% rate with a payment of $414.89, Months 121-359 at 3.04% rate with a payment of $421.13, Months 360 at 3.04% rate with a payment of $420.85. After the initial fixed -rate period, your interest rate can increase every year according to the market index. Payment examples reflect a monthly payment of principal and interest only and your actual payment may be higher. Rates and payments are based on a loan amount of $100,000.00 for a land purchase, with 80% loan-to-value, and a representative credit score of 725+. Your actual APR will be based on your final loan amount and applicable costs Subject to credit approval. Rates, terms, and conditions effective as of 1/25/2022, are for sample purposes only and are subject to change at any time. Additional closing costs may apply. See a Mortgage Loan Officer for details. Loan subject to final credit approval and membership eligibility.