Dreaming of Owning Your Own Slice of Land?
Santa Rosa County Federal Credit Union provides flexible Land Loans tailored to help you turn your vision into reality. Whether you're planning to build your dream home or secure an investment, we're here to support you every step of the way.
We require as little as 10% down
Borrow up to 90% loan-to-value
5, 10, 12, 15, and 20-year terms available
Max amount of $250,000
SRCFCU offers Land Loans to finance the purchase of land that has not been developed or improved in any way (aka Unimproved Property Loans). Borrow up to 90% loan-to-value for up to 20 years. Max amount of $250,000.
cURRENT rATES
Rates effective September 4, 2025
| Loan Type | Approximate Term | APR* (As Low As) |
|---|---|---|
| Land Loan | Up to 60 Months | 6.99% |
| Land Loan | Up to 120 Months | 7.74% |
| Land Loan | Up to 144 Months | 7.74% |
| Land Loan | Up to 180 Months | 7.74% |
| Land Loan | Up to 240 Months | 7.99% |
How to Apply
Contact Our Team
Reach out to our dedicated Lending Team today to help you get customized quotes, competitive rates, and expert guidance for all of your Home Loan needs.
complete the application and bring it by one of our branches
Disclaimers: NMLS#416274. Standard credit qualifications and other terms and conditions apply. Land must be located within Santa Rosa, Escambia, or Okaloosa Counties in NW Florida.
Call (850) 623-3877 for credit costs and terms.