couple and child standing outside of their home construction site

Lot, Land and Construction Loans

Your dream home is only a click away. Fill out the contact form or give us a call to learn more.

Built by you, backed by us. 

If you're in the market for a land or construction loan, let us help you make your dream home a reality.


Learn more about our Mortgage offerings

We've got you covered in your Lot, Construction & Permanent Financing home needs.

Charming home



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)
  • Option for those who are not planning to build immediately



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


Additional Mortgage Resources

Young couple meeting with banker in office
Reviewing Loan Applications
Reviewing Loan Applications
Family moving into new house
Mortgage FAQs
Mortgage FAQs
Couple with moving boxes
Find a Mortgage Consultant
Find a Mortgage Consultant


Lot, construction & permanent home financing available.



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