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.
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.
Rate Index: SOFR
Additional products and/or rate options may be available. Contact a Mortgage Loan Officer near you for more information.
Click the rate or APR to see a payment example.1
1 Refer to our Payment Calculator to estimate additional payment examples.
APR = Annual Percentage Rate. Rates are subject to change without notice. Loan terms based on credit history and other underwriting criteria and subject to credit approval. Loan terms and conditions subject to change without notice.
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.
Get Pre-approved or Apply Now
Select your preferred branch or Mortgage Loan Officer:
Need more info?
Let's chat.
Request a complimentary consultation with one of our Mortgage Loan Officers. Whether you want to purchase a home, refinance your mortgage or just check out your options, we're here to here to help you make informed decisions. Simply fill out our form and we'll contact you shortly.
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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Home Buying
From the News+ Blog
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The current housing market presents unique challenges, including rising home prices and tight inventory. Here are 3 steps to help you overcome these hurdles and achieve your homeownership goals.
How to Brace for Rising Home Costs: A Guide for Homeowners and Renters
Have you noticed your insurance bills skyrocketing lately? If so, you’re in good company. According to Policygenius, the average home insurance premium increased by 21% between May 2022 and May 2023. Combine this with rising housing costs, property taxes, and high interest rate debt, and it’s no wonder why so many Americans are struggling in today’s market.
How to Boost Your Credit Score Ahead of Your Home Loan Preapproval
When it comes to buying a house, poor credit can limit your opportunities and result in higher interest rates and bigger payments. But with a little planning, you can boost your credit score ahead of your home loan pre-approval so you’ll be ready to make an offer on your dream home.
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Savings are insured to at least $250,000 and backed by the full faith and credit of the U.S. government. National Credit Union Administration, a U.S. government agency.
