Lot Loan - Plan Your Future From the Ground Up

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Lay The Foundation For The Home Of Your Dreams

Secure the ideal site for your future Florida home with a lot loan from Seacoast Bank. A lot loan allows you to purchase your lot and start construction when you’re ready, within 3-5 years of closing. Ready to buy a lot and build your home right away? A construction loan may be your best bet. As your local Florida lending partner, we’re happy to walk you through your loan options. Contact a Seacoast Mortgage Loan Officer today.

Seacoast Lot Loan Features

  • Allows you to secure an ideal site for your future home, which you can build on later
  • Loans available up to $500,000 for up to 5 acres  
  • Plan how you'll start construction for your home within 3-5 years of closing
  • Online profile for convenient application tracking
  • Local Florida loan specialists are always available to you by phone or email
  • Fast closing and dependable service ensure you meet your closing date
  • Guidance through the application process to help you make informed decisions

Estimate your monthly mortgage payment with our mortgage loan calculator:

Calculate Your Payment

Learn More About Applying For Your Lot Loan

  • Are you just getting started in your home search? Get pre-qualified today so when you start home shopping, you're ready to make an offer.
  • Do you have questions about the mortgage process? Speak with one of our Mortgage Loan Officers today.
  • Have you found your dream lot? Apply for a lot loan today to begin achieving your dream of home ownership.
  • Explore other Seacoast Bank mortgage options.

How to Get Started

  1. Create Your Account: Easily create a secure online personal mortgage portal that will be your private account for the duration of your application and approval process.
  2. Begin Your Application: We understand the mortgage application process can be time consuming, and life is busy. Within your online account you’re able to start an application and save your progress to return to when it’s most convenient for you.
  3. Track Your Application: Quickly and easily track the progress of your mortgage application in your personal account. Conveniently see at all times how your application is moving along through the approval process.

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Seacoast is here to support you with:

Local Florida Mortgage Experts

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

Quick Closing

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

Accurate Appraisals

Accurate Appraisals

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

Step-By-Step Guidance

Step-By-Step Guidance

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

Have Questions? Speak with a Seacoast Bank Mortgage Loan Officer

As your local banking option, we are here to answer any questions you have. Fill out the form below and a Seacoast Bank Mortgage Loan Officer will be in touch soon.

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