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Our commercial, consumer loan, and credit card online application systems are currently experiencing technical issues and are temporarily unable to accept applications. While we work to restore service, please contact your banker for assistance with completing your application. We apologize for the inconvenience and appreciate your patience.

Lot Loans

Looking to buy land for your future home? We offer flexible lot loans and financing options to help make your plans a reality.

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Finance Your Lot

Purchasing land is a big decision—Lake Ridge Bank makes it simple. Our team helps you navigate financing options, timelines, and long-term plans with confidence.

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Flexible Loan Structures

Choose from short- or longer-term balloon options depending on when you plan to build.

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Experienced Lenders

Work with local experts who guide you through appraisals, loan approvals, and next steps.

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Straightforward Process

Get help understanding builder timelines and future construction plans.

From Land Purchase to Dream Home

Auto Loans

Construction Loans

Once you’re ready to build, we’ve got you covered. Our construction loans help finance every phase of your new home—start to finish.

Get Ready to Build
Mortgages

Second & Vacation Homes

Buying land for a future getaway? Our second home financing options make it easier to turn your vacation property dreams into reality.

Plan Your Future Escape
Money Transfer

Investment & Recreational Lots

Secure the space you’ve been dreaming of. Investment and recreational lot financing gives you flexible options to purchase land, with the guidance of a commercial lender to structure the right plan for your goals.

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Home Equity Lines of Credit

Already own a home? Use your existing equity to help purchase land or fund future building costs.

Use Your Equity for Land

See Mortgage Calculators

Frequently Asked Questions

What are my lot loan options?

If you plan to build within one year: A 1-year balloon loan with interest-only payments. If you plan to build after one year: A 3-year balloon loan with monthly payments based on a 20-year amortization schedule.

What’s the required down payment for a lot loan?

Lot loans require a minimum of 20% down.

Is an appraisal required for the lot?

Yes. Lake Ridge Bank will order the appraisal, and the cost will be included in your closing costs.
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