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Lot & Residential Construction Loans


Start the loan process now with our easy online loan application »

You can also call 805.543.1816 or email us at

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, no points, and a convenient payment reserve plan available. It also offers interest-only payments on funds disbursed.


Make a Plan

Through the BALANCE Financial Fitness Program, you have free access to counselors that can walk you through the steps needed to make home ownership a reality.

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