Secure your preferred Idaho parcel today while you finalize your build plans. Lot financing is separate from construction financing and is subject to current program requirements.
In Idaho's fastest-growing markets — Meridian, Nampa, and the Treasure Valley — buildable lots are moving quickly. Waiting until your construction plans are finalized means risking the parcel you want to someone else.
Our lot purchase loan lets you act now. Buy the land, lock in your parcel, and take the time you need to finalize architectural plans, select a builder, and prepare for construction. When you're ready to build, we can structure the construction-to-permanent financing around the lot you already own.
This program is available for both improved lots (with utilities stubbed) and unimproved raw land up to 10 acres.
An improved lot has utilities (water, sewer, electric) already stubbed to the property line. An unimproved lot has no utilities and may require well and septic. Both are eligible under this program up to 10 acres. Rural and semi-rural parcels across Idaho — including acreage in the Treasure Valley, North Idaho, and Magic Valley — are considered.
When you're ready to build, your existing lot loan can be structured into a new construction-to-permanent loan. Your Construction Specialist will review the current lot value, your construction contract, and your financial profile to structure the combined financing. This transition is a common path for borrowers who want to act quickly on land before finalizing build plans.