{"id":1266,"date":"2022-09-26T13:14:22","date_gmt":"2022-09-26T19:14:22","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=1266"},"modified":"2026-01-29T15:41:18","modified_gmt":"2026-01-29T22:41:18","slug":"land-lot-loans","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/loans\/home-loans\/land-lot-loans\/","title":{"rendered":"Land &#038; Lot Loans"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\" id=\"h-local-service-amp-friendly-care\"><strong>Local Service &amp; Friendly Care<\/strong><\/h2>\n\n\n\n<p class=\"has-lg-font-size\">All ICCU Land Loans are locally underwritten and serviced. This means we won\u2019t sell your loan. We are with you from start to finish providing the great service you deserve. Call an <a href=\"\/loans\/home-loans\/mortgage-loan-officers\/\">ICCU Mortgage Loan Officer<\/a> in your area for current rates.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">Use our online Mortgage Portal or contact a knowledgeable mortgage loan officer.<\/p>\n\n\n\n<div id=\"block_8b2137ade96e28616f0866525fcfbe2d\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_9b9199bf52a34609a184b431f22eac19\" class=\"js-button \" onclick=oao.open('%\/blend','MTG-MLOT')>Mortgage Portal<\/button>\n\n\n\n\n<button id=\"block_e8ceeb8a51d2cf0bf663b4e0dfd0da59\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/mortgage-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n\n\n\n<p class=\"has-black-color has-text-color has-link-color has-sm-font-size wp-elements-4f9f16bfe75d17de223b9ec4160eac37\"><a onclick=\"oao.open('%\/blend','MTG-MLOT','continue')\"><u>Already started an application? Continue here.<\/u><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-md-font-size\" id=\"h-terms\" style=\"font-style:normal;font-weight:400\">Terms<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>10, 15, 30 years<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-md-font-size\" id=\"h-down-payment\" style=\"font-style:normal;font-weight:400\">Down Payment<\/h3>\n\n\n\n<p><strong>20% down<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-md-font-size\" id=\"h-loan-to-value-ratio-ltv\" style=\"font-style:normal;font-weight:400\">Loan-to-Value Ratio (LTV)<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>Up to 80%<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-md-font-size\" id=\"h-loan-rollover\" style=\"font-style:normal;font-weight:400\">Loan Rollover<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>Can be rolled into your construction loan<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-build-your-home-with-confidence\">Build Your Home With Confidence<\/h2>\n\n\n\n<p class=\"has-lg-font-size\">We want to help you through the loan process and get you resting comfortably in your home as soon as possible. Our highly trained, friendly staff understands the housing market where you want to live. After all, we live here too. We\u2019re available to help during extended hours and on Saturdays.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-fast-local-decisions\">Fast, Local Decisions<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Local underwriting<\/li>\n\n\n\n<li>Fast approvals<\/li>\n\n\n\n<li>Fast closing, usually within 30 days<\/li>\n\n\n\n<li>Local servicing on most loans<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-save-money\">Save Money<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Low, affordable interest rates<\/li>\n\n\n\n<li>No initial loan application fees<\/li>\n\n\n\n<li>Low mortgage insurance premiums<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"412\" height=\"315\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/12\/Land_Benefits.webp\" alt=\"\" class=\"wp-image-3553\" style=\"width:410px;height:313px\"\/><\/figure>\n\n\n\n<div id=\"block_aa9345d472d6cfc2b965cd8188050c80\" class=\"js-button-group is-horizontal justify-center \">\n  \n\n<button id=\"block_2d984559008be357b2a01537c7e7ba2a\" class=\"js-button \" onclick=oao.open('%\/blend','MTG-MLOT')>Apply Now<\/button>\n\n\n\n\n<button id=\"block_733c59673c03098bb4069027cc63f21e\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/construction-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<section id=\"block_9a8109634fd04cf61d05b2224bbd5c54\" class=\"o-calculator__container \">\n    <div class=\"\" data-vue-component=\"iccu-calculator\" data-calculator-id=mortgage-payments data-props={\"interestRate\":\"7.25\"}>Calculator loading&#8230;<\/div>\n\n\n    <div class=\"o-calculator\">\n      <p class=\"o-calculator__disclosure\">Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates based on the information provided by you, the user.<\/p>\n    <\/div>\n<\/section>\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\" id=\"rates\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-text-color\" id=\"h-personalized-rate-quote\">Personalized Rate Quote<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-lg-font-size\">Tailored to your unique circumstances, our personalized mortgage rate quote tool asks you a few questions about your current financial situation. Based on your answers you will be given a list of rates that fit your needs. Get your personalized mortgage rate today.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quickquote-consumer.optimalblue.com\/?clientId=3833383237&amp;userId=34363030363031&amp;formId=32333431\" target=\"_blank\" rel=\"noreferrer noopener\"> Get My Personalized Rate Quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Local Service &amp; Friendly Care All ICCU Land Loans are locally underwritten and serviced. This means we won\u2019t sell your [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3552,"parent":665,"menu_order":130,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-1266","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Land &amp; Lot Loans - ICCU<\/title>\n<meta name=\"description\" content=\"Our Land and Lot Loans offer terms between five and thirty years. You can get a loan for land up to fifteen acres and even roll this loan into a construction loan. 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