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Texas neighborhood new home building.
Texas neighborhood new home building.
Texas neighborhood new home building.
Texas neighborhood new home building.
Texas neighborhood new home building.
Texas neighborhood new home building.
Texas neighborhood new home building.
Put your Texas dream home right where you want it!

Lot and Land Loans in Texas

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

Your local Texas loan officer can help you get started. WaFd Bank has been helping people build their dream homes for more than 100 years.
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Already started your application? Return to Lot Loan applicationarrow-right
Land Loan Checklist
  • 70% LTV, Improved Land
  • Available on loan amounts up to $700,000
  • 20 year term available

Consider a WaFd short-term 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.

Texas Lot Loan Calculator

$
$
%
$
$
NaNYour Estimated Monthly Payment
  • $
    Principal & Interest
  • $2,689
    Taxes
  • $3,780
    Insurance
  • Payments quoted may include estimates of taxes & insurance, so actual payments may be higher.
  • Loans are subject to credit approval. Restrictions and limitations may apply.
  • 0.768333% tax rate used in estimate.
  • 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.
  • Ask us about additional available loan programs.
  • 2% interest rate discount available on short term 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.
  • Payments quoted may include estimates of 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.
  • Ask us about additional available loan programs.
  • 2% interest rate discount available on short term 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.
calculatorSee other WaFd Bank Calculators: HELOC, Refinance, Mortgage, Remodeling, Construction
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.

Benefits of working with WaFd Bank
We keep your loan! We don't sell it to Wall Street or Fannie Mae.
We have competitive mortgage rates and will be with you every step.
You can quickly and securely apply online in minutes.
We keep your loan! We don't sell it to Wall Street or Fannie Mae.
We have competitive mortgage rates and will be with you every step.
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've done all your research but aren't sure whether a lot loan makes sense, just stop by. We're nearby, and we'll sit down with you and answer any questions you may have.

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

* 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.