Lot Loans

Lot Loan Special Offer!


Location, location, location! Once you find it, lock it in with a lot loan.:

Whether you’re planning to build, or using the land for recreation, FNC Bank offers competitive lot loans to get you started on your journey!

3.99% APR*

Only 10% Down

Lot Loans are 3/1 Adjustable Rate Mortgage (ARM) Loans. Rate is fixed for the first three years with variable rates each year after for the duration of the loan. These loans have a 10-year term based on a 20-year amortization rate.

Contact a mortgage lender for more information, or apply now and someone will reach out to you shortly.



*3.99% Rate has an Annual Percentage Rate (APR) of 4.2224%. Good for lots under 10 acres. Lot loans over 10 acres have a rate of 4.99% and require 20% down payment. Purchase money only.
Rates effective as of 04/01/22, are subject to change, and can be discontinued without notice. Loans are conditional on credit approval and completed appraisal. Lot/ARM loans are subject to a 0.5% origination fee.
For current rates and payment examples, please visit our mortgage Rate Webpage.


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