Lot and Land Loans

If you're looking to buy a residential lot within a subdivision or a small acreage property to build on soon, our Lot Loans are built for you.

Lot Loan Key Features:

• Financing for lots up to 25 acres within our North Texas counties
• Lot loan amounts up to $450,000
• Up to 85% loan-to-value (LTV) financing for most lot loans
• Fixed-rate financing with lot loan terms up to 15 years
• Credit decisions made locally, with in-house underwriting
• For primary or second home construction only—not for speculation or investment

Whether you’ve already chosen a builder or are still in the planning phase, a lot loan from ANBTX can help you lock in the land while you prepare to build.

Need more space? Our Unimproved Land Loans are ideal for larger rural properties intended for personal use.

Unimproved Land Loan Key Features:

• Finance between 25 and 200 acres of land within our North Texas counties
• Land loan amounts up to $1,000,000
• Up to 85% loan-to-value (LTV) for land loans under $500,000, and up to 80% LTV for land loans above
• Fixed interest rates with land loan terms up to 30 years
• Credit decisions made locally, with in-house underwriting
• Must have adequate access to water, electricity, and public roadways
• Not available for income-producing, commercial, or investment use

Land loans are perfect for buyers who want space, privacy, or a long-term plan to build their forever home on a larger tract of land.