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Lot & Residential Construction Loans

These real estate loans are used to purchase property and build the home you’ve always wanted. From the ground up, SESLOC can help make that dream house yours.

Lot Loan

This adjustable rate loan has a 5-year term, amortized over 15 years to keep payments more affordable. It also offers a 1% annual rate cap / 5% lifetime rate cap.

Construction Loan

A fixed rate loan for construction of principal residence, with terms up to 12 months and a convenient payment reserve plan available. It also offers interest-only payments on funds disbursed.


Get started with an application or speak with a Mortgage Loan Officer »

For a free consultation, call (805) 543-1816, email or book an appointment »

Contact Us Today

 For honest, professional service, speak with a SESLOC Residential Mortgage Loan representative. They will be happy to answer your questions and help you make the right choices. Call them today at 805.543.1816 or email us at REinfo@sesloc.org.