When you see the potential in a piece of property, take the necessary steps to make it yours. Fixed-rate and adjustable-rate loans are available to accommodate your short-term and long-term goals. Lending experts are prepared to discuss options and plans to help you prepare for your land purchase.


PointsTermRateAPRPayment Per $1,000 Borrowed
0 Points5 Year6.500%6.833%$19.57
0 Points10 Year7.500%7.682%$11.87
0 Points15 Year8.500%8.634%$9.85
1 Point5 Year6.375%7.012%$19.51
1 Point10 Year7.375%7.721%$11.81
1 Point15 Year8.375%8.631%$9.77
2 Points5 Year6.250%7.489%$19.45
2 Points10 Year7.250%7.923%$11.74
2 Points15 Year8.250%8.747%$9.70

APR:  Annual Percentage Rate is based on a $100,000 loan amount, unless otherwise noted.

Down Payment Requirements:  a 25% down payment is required; maximum 75% loan to value.

Payments do not include amounts for taxes and insurance premiums, if applicable. The actual payment obligation will be greater. 

Rate Lock Policy:  LUSO will rate lock for 60 days for a fee of $500.00 which is refunded upon receipt of closing from attorney; fee is non-refundable on withdrawn applications, fee and rate lock are forfeited on loans closed after the 60-day period; fee is automatically refunded on denied applications.

Please call for rates on adjustable land loans.  /about/contact/