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Buy Now, Build Later

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City’s lot loan program allows you to secure land now. And, when you’re ready to build, the equity from your lot can be used as the down payment for your construction loan.

  • 15-Year Term
  • 11% Down Payment; 15% Down Payment on properties greater than 5 acres. Must appraise as residential
  • 3/3, 5/5 or 7/1 Adjustable Rate Mortgages available
  • No Private Mortgage Insurance
  • Low Closing Costs

Your local, experienced City mortgage specialist can help you get started today. Let us call you or contact us to learn more about this and other mortgage products. Or, fill out an application online