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Home being built with a construction loan.

Lot and Land Loans

Lot & Land Loans

SESLOC Lot & Land Loans

Lot & Land Loans

Dream Big. Let SESLOC help.

Secure the perfect spot for your California Central Coast dream home. This home loan can be used to finance the purchase of land or a lot property for a home you build. Let SESLOC help make your dream housing location a reality.

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Lot Loan

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

Lot loans are eligible for our 15-Day Mortgage Close Program.

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Today’s Rates

Lot & Land Loan ARM Purchase Rates

Interest Rate: 9.500%¹
Rate Index: Secured Overnight Financing Rate (SOFR)

Lot & Land Loan Amount

$50,000

at 9.829% APR*

Estimated Monthly Payment¹

$522

Lot & Land Loan Amount

$100,000

at 9.8732% APR*

Estimated Monthly Payment¹

$1,044

Lot & Land Loan Amount

$200,000

at 9.684% APR*

Estimated Monthly Payment¹

$2,088

1. Payment examples are based on a set of loan assumptions and are for illustrative purposes only and exclude taxes and insurance. Adjustable Rate Mortgage (ARM) rates, APRs and payment amounts are subject to change based on changes in the rate index, the 30-Day Secured Overnight Financing Rate (SOFR), and may increase after consummation. Actual rate, APR and payments will vary based on final loan terms and may be higher. Refer to our Payment Calculator to estimate additional payment examples.
*APR = Annual Percentage Rate

Additional products and/or rate options may be available.
Contact a Mortgage Loan Officer near you for more information.

Ready for the next step?

Review our handy documentation checklist and application how-to. Or, get started with a pre-approval or free consultation using the forms below.

documentation checklist
Get Pre-approved or Apply Now! 

Get Pre-approved or Apply Now! 

Apply For a Home Loan

Need more info?

Let's chat.

Request a complimentary consultation with one of our Mortgage Loan Officers. We're here to help you make informed decisions. Simply fill out our form and we'll contact you shortly.

Home Loans

There is no obligation to join SESLOC or apply for a loan. By submitting this form, you agree to receive email communications from SESLOC and phone calls if this preference is indicated. You can unsubscribe at any time. 

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Are you interested in a 15-Day Mortgage Close option, available for select purchase loans?

Home Buying

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