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Lot and Land Loans

Ready to Put down Roots?
Get Started

Lot and Land Loans

Ready to Put down Roots?
Get Started

Dreaming of Building a New Home?

Whether you’ve found the perfect suburban lot or an ideal stretch of North Texas countryside, ANBTX can help you “land” your future homesite now. Our flexible lot and land loans offer financing for up to 200 acres. With competitive rates, straightforward terms, and expert local guidance, the first step to building your new home is within reach.

Explore two great options—designed to fit your needs, your timeline, and your goals.

Lot Loan (Up to 25 Acres)

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.

Unimproved Land Loan (25 to 200 Acres)

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.

Dream from the Ground Up

At ANBTX, we’ve been helping North Texans put down roots for nearly 150 years. From lot selection to long-term financing, we’re here to support your journey every step of the way.

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Man and daughter getting home mortgage.