Unimproved Land Loans

Found the perfect location, but not quite ready to build? Essential FCU has a mortgage loan program that can provide financing for residential lots or acreage. Start preparing for your dream home now! Essential FCU's Land Loan Program has many other benefits, including:

  • Financing available up to 80% loan to value.
  • Financing available on up to 25 acres of land.
  • No private mortgage insurance require.
  • No prepayment penalties.
  • Local servicing on your Loan. Unlike many other mortgage lenders that shift the servicing of your loan to another institution weeks after you close on your loan, Essential FCU will always be able to service our members’ mortgage loans! If you ever have a question or an issue with your loan, a Essential FCU Representative is just a phone call away.
  • Online access to your mortgage loan information. With a few clicks of your mouse, you will be able to access all of your mortgage loan information right from your desktop.

Quick and easy application process

Apply Online, contact us at 1.888.369.2207 or visit one of our Branches

*Some restrictions apply to financing of a secondary residence.