Residential Lot Loan | First National Bank

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- Great for developed or undeveloped lots
- No mortgage insurance required
- Flexible repayment terms
Buying Your Own Land:

If you have found that perfect piece of property, a Residential Lot Loan from FNB can be the first step in helping you attain the home of your dreams. Designed to meet your needs, you can purchase or refinance up to five acres of undeveloped land. You also may be able to use the equity from the lot towards the construction loan down payment.

Key Features:
- Multi-year financing with a balloon payment
- No mortgage insurance required
Great For:
- Purchase or refinance of developed/home site lots
- Purchase or refinance of undeveloped lots (limited to five acres)
Important Requirements:
- For developed/home site lots, the subdivision must be complete
Applying for a Residential Lot Loan:

Whether you would like to get pre-qualified or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your bag. During the checkout process, you can set up a time to meet with one of our experts.

Getting Prepared

It is helpful if you have the following documents with you during the application process:
- Fully executed purchase agreement, if available
- Most recent 30 days of pay stubs
- Most recent two (2) months of bank statements
- Prior two (2) years of your W2s
- Prior two (2) years of tax returns
- Current driver’s license or photo ID

With any account, you also get the latest in digital technology:

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

Need help now? Call us or schedule an appointment.

Contact a Local Expert

Notices & Disclosures

All loan products are subject to underwriting/credit approval.
FNB is an Equal Housing Lender; NMLS #766529.