Florida Land & Lot Loans - Plan Your Future From the Ground Up

APPLY NOW

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.

Seacoast Lot Loan Features

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

  • Loan Amount and Property Size: Borrow up to $500,000 for lots of 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.

Learn More About Applying for Your Lot Loan

Ready to take the next step? The process of applying for a lot loan 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.

Contact a Mortgage Loan Officer

How to Get Started

Follow these steps to kick off your lot loan application:

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

Enjoy these standard features with all our accounts:

ATM

Publix® ATMs

Enjoy the convenience of one-stop shopping and banking. Get cash fee-free at 1,100+ Publix® ATMs. These ATMs are available for cash withdrawals and balance inquiries.

lock

Protection You Can Trust

Security is our top priority and substantial measures are in place at Seacoast Bank to protect your identity and your accounts against theft and personal fraud

icon-card-white

Digital Deposit

Deposit a check anywhere, anytime using your smart device.

clock

Free online & mobile banking

Our online and mobile banking options are fast, convenient, and secure. Pay bills, transfer money, check your balance, and more anytime, anywhere

Land & Lot Loans FAQs

Connect with a Seacoast Banker about Lot & Land Loans.

As your local banking option, we are here to answer any questions you have. Fill out the form below and a Seacoast Banker will be in touch soon.
headset-icon
Call us at:
800.706.9991
Chat_Icon
Live Chat with us.
Chat now
location-icon
Visit us:
Find Your Local Branch
Local Florida Mortgage Experts

Local Florida Mortgage Experts

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

Accurate Appraisals

Accurate Appraisals

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

Quick Closing

Quick Closing

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

Step-By-Step Guidance

Step-by-Step Guidance

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