8.000
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8.3
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Lot Loan
Lot Loan

Lot Loan

Dreaming of building your forever home? It all starts with the perfect property!

Unlock the potential of your property with our Lot Real Estate Loan today.

  • 15-year term
  • $50,000 - $150,000
  • Purchases only
  • Minimum FICO 700
  • 75% loan-to-value up to 5 acres
  • 70% loan-to-value up to 10 acres
8%
Rate
8.296%
*APR as low as
*APY as high as
  • Higher loan amounts and larger acreage may be considered on an exception basis.

    Subordinate financing not available

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Financial Product Calculator

How much can I afford?
This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.
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Calculator Results

Based on the information entered, the total amount that you can afford to pay on your car, taxes, and document fees is:

*All loans subject to credit approval and some restrictions may apply. Sierra Central fees include, but are not limited to, 1% origination fee, processing fees, underwriting fees, and closing documentation fees. Maximum loan amount of $150,000. APR = Annual Percentage Rate. All mortgage rates are based on a 60-day rate lock. Rates are subject to change at any time. LTV = Loan to Value ratio. Example: First Mortgage Loan – Purchase a parcel of land with a loan amount of $150,000 and an estimated value of $200,0000, with a 25% down payment equal to $50,000. The parcel of land is 10 acres in Yuba City, CA. The assumed credit score is 700. At an 8.75% interest rate, the APR for this loan type is 8.970%. The payment schedule for a 15-year loan would be approximately $1,499.17 (Principal and Interest) per month. The example was based on 70% LTV. This program allows 75% LTV up to 5 acres and 70% LTV up to 10 acres. We reserve the right to correct printing errors. Membership open to anyone who lives, works, worships or attends school in any of our branch location counties. Membership and/or participation fees may apply. Other restrictions may apply; must meet account opening criteria to join. Any rates, fees and terms subject to certain criteria and may vary. Equal Housing Opportunity. NMLS#786202