Live anywhere you want
A lakeside home. Living large in the country. The convenience of a new neighborhood. Owning your dream property starts with a vision and a Lot Loan from Addition Financial. Once you’ve chosen the piece of land you want to call your own, we’ll help you take care of the financial details.
Get your hands on land
Maybe buying a preowned or prebuilt home isn’t for you. Or maybe you’re planning to build your forever home in a few years but the perfect piece of land is available now. Whatever your situation, an Addition Financial Lot Loan can help you secure the ideal spot for your future primary residence.
5-year fixed-rate term
Minimum loan amount $25,000; maximum loan amount $300,000
Financing available up to 70% of purchase price or appraised value, whichever is less
No pre-payment penalties
Land must be zoned as residential
Maximum 2 acres lot size
Purchases only, refinances not available
Why Addition Financial?
Earn More + Pay Less
Competitive rates on deposits, loans and credit cards.
Manage your account completely online.
Keep It Local
Your money stays right here in the community.
Additional Features and Benefits
Earn rebates when you buy or sell a home
Get tips and tools for buying or selling
Research listings, schools, neighborhoods and more
Find an experienced real estate agent
Get a lot without paying a lot
Whether you’re buying your first home or you’ve done this before, Addition Financial offers a variety of mortgage options to suit your needs plus one-on-one advice to help you reach your goals.
Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.
2Complete loan application
When you’re ready, complete the online application or visit your branch to apply in person.
3Get your loan
Get your learn on
Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.