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Father hugging his kids in an open lot
Father hugging his kids in an open lot
Father hugging his kids in an open lot
Father hugging his kids in an open lot
Father hugging his kids in an open lot
Father hugging his kids in an open lot
Father hugging his kids in an open lot
Put Your Dream Home Right Where You Want It

Lot and Land Loans

With a Lot Loan from WaFd Bank, get the financing you need to buy the perfect spot for your new home.

Consider a WaFd lot loan and receive a discount on closing costs when you finance construction of your custom home with us within two years. We offer a 20-year term lot loan for long-term plans. Apply online, where you can upload your documents and receive status updates in our secure portal.

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Land Loan Checklist
  • 70% LTV, Improved Land.
  • Available on loan amounts up to $700,000.
  • 20 year term available.

Land Loan Calculator

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Rates as low as

10.041

%

APR

10.041

%

APR

Estimated Monthly Payment

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  • APR is Annual Percentage Rate. Payments quoted do not include taxes & insurance, so actual payments may be higher. Loans are subject to credit approval. Restrictions and limitations may apply. Rates for intended use of primary residence or second home.
  • This calculator is for educational purposes only, and may not represent WaFd Bank's lending program requirements. 2% interest rate discount available on 20 year lot loans for borrowers with a down payment of 50% and a FICO score of at least 720. Contact your neighborhood loan officer to learn more.
Young couple moving in new house, holding keys.

Save Up to $600 on Closing Costs With a Checking Account From WaFd Bank*

*To qualify for the maximum $600 discount, before closing documents are prepared you must (1) have or open the WaFd checking account, (2) register for EZ-Pay from the new checking account, and (3) sign up for direct deposit of at least one form of a monthly recurring source of income.

House project in progress.

Our Custom Construction Loan Advantage

WaFd Bank is unique when it comes to construction loans and home building financing.

Arizona, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, and Washington

Benefits of Working With WaFd Bank

Benefits of Working With WaFd Bank

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We Keep Your Loan

We don't sell, assign, or transfer your loan.

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Competitive Rates

We have competitive mortgage rates and will be with you every step.

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Apply for a Loan Online

You can quickly and securely apply online in minutes.

Frequently Asked Questions

info-circleStill can't find what you are looking for? Contact your local branch or call us 24/7 at 800-324-9375.

Want more help? Come See Us.

If you're a first time home buyer and have done all your research but want help, just stop by. We're nearby, and we'll sit down with you and answer any questions you may have.