couple and child standing outside of their home construction site

Lot, Land and Construction Loans

Your dream home is only a click away.

Extraco Mortgage offers convenient financing for your entire homebuilding experience. From purchasing your lot, to financing the construction, and finally obtaining permanent home financing, we can help each step of the way.


Lot/Land Loans

The perfect piece of land has come up for sale and you need to get a land loan before designing your new dream house.

Key Considerations:

  • 80% financing available (Up to 100% financing for physicians in qualifying counties)
  • Great for those who do not plan on building for 3+ years



Construction Loans

A construction loan is just what you need when you’re building your new dream home.

Key Considerations:

  • For the construction of your primary residence
  • Conforming and Jumbo Loan amounts available
  • Interest-only payments during construction with a final balloon payment at maturity


Extraco Mortgage is a one stop shop for lot, interim, and permanent financing.


Have a question about getting a home loan?

Home Loan Inquiry

Get the Extraco Mortgage App

Start application/pre-approval, calculate payments, securely scan & upload documents, see your progress and get updates as you go — anytime, anywhere.
Download the Extraco Banking app from Apple's App Store
Get the Extraco Banking app on Google Play
Extraco Bank Mobile App on an Android
Extraco Bank Mobile App on an Apple Device

Important Disclosures and Information

  • Veteran Loan: Subject to VA eligibility review. Surviving spouses of veterans may also be eligible
  • Loans subject to credit approval