Lot Loan

Land Loan Financing

Dream it. Build it.

Secure the Perfect Spot for Your Dream Home

Found the perfect piece of land to build your dream home? Whether you plan to build your home right away or a few years from now, United Bank is here to help you get started. Our Land Loan is a loan that can be used to finance the purchase of land or a lot property for your new home.

What is a Land Loan?

If you are interested in owning a piece of property for a home, but are not quite yet ready to build, a land loan can give you the opportunity to secure the land you want without tying you down to specific building deadlines.

Undeveloped Land Loan

Raw land loans are designed to provide funding on property that is completely devoid of improvements. This particular type of financing would apply on a piece of land that has no existing utility lines or even easy access to them, for example.

Developed Land Loan

Unlike raw land, an improved lot has some type of infrastructure already in place or has future access to utilities (water, sewer)  and located on paved roads.  These properties are typical for residential construction in developed areas. 

United Bank offers competitive land loan financing options. 

  • Finance raw, unimproved or improved land
  • Adjustable-rate loan options available
  • Local decision-making
  • Loan serviced at your local United Bank branch
  • Interest only loan options available

We also offer Construction-Permanent financing for future home construction.  Talk to a local lender to find out more. 

Apply Now

House symbol with location pin icon on earth and green grass in real estate sale or property investment concept. Buying land for new home. 3d illustration of big advertising sign.

Program is eligible in the following states: WV, VA, MD, DC, GA, NC, SC, OH, KY and PA. 
Note:  In OH, KY and PA property must be located within 90 miles of a United Bank branch located in a neighboring state.

United Bank NMLS #522399
ADVERTISING NOTICE - NOT A COMMITMENT TO LEND - SUBJECT TO PROGRAM AVAILABILITY. All loan applications are subject to credit and property approval. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required. To be eligible, buyer must meet minimum down payment, underwriting and program guidelines.