Land Loans

Knowing where to begin can be stressful and overwhelming.

We understand and have spent the last 100 years financing dreams of a relaxing life in the country.  When you find the perfect place, we will work with you to help you make your dreams a reality.

Our Lot Loan product offers

• Up to 75% financing
• Terms up to 15 years
• Competitive long-term fixed rates
• No time requirements to build

Here are a few helpful blogs to assist you in your land purchase:  

•  Tips to consider when buying land
• The 5 basics steps of the loan approval process
• New Land Owner Equipment Guide - What do you need?

Click here to download "How Do Land Loans Work?" booklet

Frequently asked questions

Can I buy land now and build later?

Yes! Many of our borrowers buy land now and build when the time is right.

Is there a limit to how much land I can purchase?

No. Whether it’s a few acres or much more, there’s no acreage restriction.

How much down payment is required for a land loan?

Farm Credit of Central Florida typically requires a down payment of around 25% for a land loan, since financing is generally available for up to 75% of the land’s value. The exact down payment amount can vary based on factors such as the type of land, how it will be used, and the borrower’s financial profile.

Ready to apply?

Use our online application to get started. 

Please note this is not a pre-approval application. 

Apply Now

Looking to get a pre-approval or have questions?

Click here for a guide to getting pre-approved for a lot loan