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Lot and Land Loans

Lot and Land Loans

from Fox Communities Credit Union

Apply Online

Owning land has long been part of the American Dream.

With a lot and land loan from Fox Communities Credit Union, it’s a dream that can easily come true. Whether you’re looking to purchase hunting land, vacation land, or land you’re going to spend every day on for the rest of your life, we’ve got a lot and land loan that can help you make your own little slice of heaven happen.

Planning house on land

What are the perks of owning land thanks to a lot and land loan from Fox?

If you’re a Fox member/owner, you know there are a lot of perks that come along with that membership. And opening a lot and land loan with Fox is no different. So, come on over to any of our Fox locations, or reach out to us, and we’ll show you why Fox is the best partner to make that trophy buck (or at least some peace and quiet) happen with your very own slice of the great outdoors.

  • A variety of Adjustable-Rate Mortgages (ARMs) to fit your needs including one-, three-, five-, seven- or ten-year options. After an initial fixed rate period, your interest rate may be adjusted annually until the loan is paid off
  • Up to 30-year amortizations available
  • Affordable 20% minimum down payment
  • Flexible loans for lot and land purchases – for both residential lots and undeveloped land
  • In-house approval process to help ensure your loan is processed quickly
  • No separate loan statement to watch for – your loan information will appear on your regular statement
  • Already living your hunter’s dream, but hate your loan rate? Save money on interest and payments when you refinance with Fox

Check out our rates and get in touch with our friendly Fox team to get started.

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.


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