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older couple looking over open land

Residential Land and Lot 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 lot loan. Lot loans allow you to purchase the property now and build later.

what is a lot or land loan?

A temporary lending solution to finance land that a borrower will eventually build a residence on.

features of a Univest lot loan

  • 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 $500,000
  • Type of housing:
    • Single-family / 1 unit dwellings
    • Modular pre-cut/panelized housing
  • Down payments and requirements
    • 25% down for primary residence
    • 30% down for second home including 1 unit

Interested in a lot loan from Univest? Please submit your information via the contact form on this page and one of our home loan experts will follow up.

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