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Vacant Lot Loan
Preparing to build your home can start with a lot loan.
Want to Secure Your Land Before Building?
A vacant lot loan is ideal if you want to secure a building site but aren't ready to start construction immediately. Our lot loans provide up to 90% loan-to-value financing, giving you the flexibility you need when financing a project in the distant future.
With Merchants' 10% down program, you can finance up to a 40-acre lot size. Larger parcels are allowed with larger down payments.
All mortgage loans are subject to credit approval.
Recommended Resources
Access
Take advantage of our Online & Mobile Banking tools, giving you the freedom to do more with your money.
Credit Cards
Earn rewards at competitive rates when you borrow with a Merchants Visa® Credit Card.
Relationship Checking
The account that rewards you when certain relationship balances are maintained. Being part of the Merchants family has its perks!