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older couple looking over open land

Lot and Land Loans

Banking for Individuals

found land for your dream home?


Financing land can sometimes be a challenge. If you’re looking for a spot to build your dream home, Univest can help you finance the perfect lot. With a Univest Lot Loan you can purchase the property now and build later.

Our lot loans offer the following features:

  • Vacant land (residential only)
  • Must build home on land within 2 years
  • 2-year term with a 15-year amortization
  • Purchase only (no refinance)
  • Unique property lending:
    • Primary residence
    • Secondary homes
  • Maximum loan amount is $250,000
  • Type of housing:
    • 1-2 units
    • Modular pre-cut/panelized housing
  • Down payments and requirements
    • 25% down for primary residence including 1-2 units
    • 30% down for second home including 1 unit

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