Land Loans

Build your dream from the ground up by securing the perfect piece of property (even before you’re ready to build).

Apply now Talk to a mortgage loan officer

Adjustable Rate Mortgages can help you

plan ahead

with rates that adjust over time.

We offer

competitive

terms for your purchase or refinance.

Get support from

local experts

every step of the way.

Why choose a Land Loan with VACU?

Secure financing even if the land doesn’t yet have structures or utilities.

Start with a fixed rate that coverts to an Adjustable Rate Mortgage (ARM) with capped adjustments.

Access competitive terms with options to fit your purchase or refinance needs.

Work with our local mortgage team, experts in Virginia land purchase.

Get started in a few steps.

A local mortgage loan officer will help you determine the best loan product that works for your needs. Our mortgage team will help you get pre-qualified.

Apply for your mortgage by completing our easy-to-use digital application.

Sign disclosures, which will include an estimate of your closing costs. While our loan processor is putting final touches on your documents, they might reach out with questions or requests for additional documentation.

Sign and finalize the closing documents to provide funds for closing.

A mortgage loan officer helping a member

Mortgage Loan Officers

Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help.

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Virginia Statewide Title Services

Virginia Statewide Title Services offers affordable title insurance to protect you against defects in your property title and can also connect you with a participating closing attorney in your area.?

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