Florida Lot Loans – Finance the Location of Your Dream Home

Lay the Foundation with a Seacoast Florida Lot Loan

With a Florida lot loan from Seacoast Bank, you can secure the perfect site now and start construction when you are ready.

Our lot loans are designed to give you options and flexibility:

Loan Amount and Property Size: Borrow up to $500,000 for lots up to 5 acres, offering plenty of space for the home of your dreams.
Flexible Loan Term Lengths: Choose a loan term that fits your plans. With a lot loan, you can take 3–5 years to start construction, giving you the freedom to build when the time is right.
Local Expertise: Our Florida loan specialists are knowledgeable and ready to guide you through the process, ensuring smooth and fast closings.
Fast Closing: We pride ourselves on quick and reliable service, helping you meet important deadlines.

Ready to take the next step? The process is easier than you might think. Here is a quick overview:

Pre-Qualification: Start by getting pre-qualified. This step gives you a clear idea of how much you can borrow so you can confidently shop for the perfect lot.
Contact a Loan Officer: Our experienced loan officers are here to assist you. They will walk you through the loan process, answer questions, and offer expert advice.

Follow these steps to kick off your lot loan application:

Create an Account: Start by creating an online account with Seacoast Bank. This will help you track your application status and stay organized.
Apply: Fill out the application with details about the lot you want to purchase and your financial information.
Track Your Progress: Use your online profile to monitor the status of your application and communicate with our loan specialists if needed.
Close on Your Loan: Once approved, we will work with you to close quickly and secure your lot.

Local Florida Mortgage Experts

Since 1926, Seacoast has help make the dream of homeownership a reality. Connect with our Mortgage Loan Officers online, in-person or over the phone.

Quick Closing

Fast closing means that we'll get you into your new home as soon as possible.

Accurate Appraisals

A local underwriter means an accurate appraisal to ensure the value of your new home.

Step-By-Step Guidance

Our local experts are happy to provide hands-on guidance throughout the mortgage process.

What is the difference between a lot loan and a construction loan?

A lot loan is used to buy the land itself, while a construction loan finances the building of a home on that land. Seacoast offers both options to fit your needs.

What types of properties are eligible for a lot loan?

Our lot loans are available generally for vacation lots up to 5 acres. Maximum acreage is dependent upon appraisal value and comparable property values. The land must also be intended for future residential construction.

Can I purchase land for investment purposes, or must it be for a primary residence?

Seacoast Bank's lot loans are primarily designed to purchase land to build a primary or secondary residence. For more details, discuss your specific plans with our loan officers.

Can I refinance a lot loan into a construction loan later?

Yes! Once you are ready to build, you can transition your lot loan into a construction loan, making it easier to move forward with building your home.

How long is the approval process for a lot loan?

The approval process varies, but Seacoast Bank strives to provide fast and dependable service. Depending on the complexity of the loan, most approvals occur within a few weeks.