Construction Lot Loans
At Capital City Home Loans, we help turn your vision into reality — starting from the ground up. Our Construction Lot Loans are designed for homebuyers who want to secure land now and build their custom home later. Whether you’re buying a homesite in a residential development or a private parcel for a future build, our flexible financing solutions make it easier to take the first step toward building your dream home.
With experienced loan professionals and local insight, we make the process simple, streamlined, and structured around your long-term goals.
What Is a Construction Lot Loan?
A Construction Lot Loan is a type of financing that allows you to purchase vacant land intended for future residential construction. It gives you the ability to secure your desired location before finalizing your building plans or choosing a builder.
This loan type is often used in one of two ways:
- As a stand-alone lot purchase, with plans to build at a later date
- As part of a two-step construction plan, where the lot is purchased first and a construction loan follows
At Capital City Home Loans, we offer tailored loan programs for both scenarios, ensuring you’re financially positioned when you’re ready to build.
Benefits of Construction Lot Loans
Purchasing land before construction gives you time and flexibility — and our loan programs offer several key benefits:
- Secure your ideal lot before it’s off the market
- Flexible terms to accommodate different build timelines
- Interest-only payment options during the loan term
- Use your lot equity as part of your construction loan down payment
- Bridge the gap between lot acquisition and construction financing
Our construction lot financing is ideal for homeowners who are planning a custom build but want to lock in a location now while finalizing home designs, builder selection, or financing plans.
