Land Loans

This land is your least it can be, with a Land Loan from First Commerce! We offer competitive rates and flexible terms to help you buy unimproved property in Florida or Georgia.

  • Any size lot within a recorded subdivision or up to 40 acres outside a subdivision
  • Financing up to 90% of appraised value
  • Fixed rate option
  • Maximum loan amount of $500,000
  • Assistance from experienced local loan officers
  • Simple application process
  • Quick local approval decisions
  • First mortgage only

Fixed Land Loan Rates

Fixed Land Loan Rates
TermsAnnual Percentage RatePayment per $1,000 Borrowed
5 years or less 8.99% – 15.99% $20.76 – $24.73
5 to 10 years 9.99% – 16.99% $13.22– $24.59
15 to 20 years ($40,000 minimum) 10.49% – 17.99% $11.06 – $16.08

If you have questions or need assistance, please contact a Financial Services Officer at 850.488.0035 or 1.800.533.5772 or stop by any of our locations.

Loans available to purchase vacant lots or land, as well as loans to pull out the equity in a parcel you already own. We will finance up to 90% of the appraised value. Florida and Georgia Properties in FCCU field of membership only. Contact a Financial Services Officer for details. The rate you receive is determined by a credit review and the term of your loan.