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Lot Loan

Buy Land + Build Your Dream Home

Find your personal slice of paradise and start looking at floor plans, because building your next home from the ground up just got easier.

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

HomeAdvantageTM Program

A HomeAdvantage approved real estate agent must be used in order to receive a rebate. Program rules can be found at curealty.com.

  • 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

Why Addition Financial?

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Earn More + Pay Less

Competitive rates on deposits, loans and credit cards.

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24/7 Convenience

Manage your account completely online.

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Keep It Local

Your money stays right here in the community.

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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.
  1. 1
    Review eligibility

    Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.

  2. 2
    Complete loan application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Get your loan

    Start building.

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.