Need help getting started? (409) 726-2126

Step 1: Compare Land loan rates as low as:

Rates effective June 3, 2026

Term Rate APR*
5 Year 5.75% 5.75%
10 Year 6.00% 6.00%
15 Year 6.00% 6.00%
  • Minimum Loan Amount is $15,000
  • Required Down Payment is 20%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

Step 3: Understand the Process and Benefits of a Land Loan.

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The Pre-approval Process

The pre-approval process can vary greatly between land and property  lenders. That's because these types of loans typically require a lot more information from you than a conventional loan. At DuGood, we make this process quick and easy for you. 
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The Appraisal Process

The time needed to complete this process is something land and property lenders can rarely control. A quality land appraisal can take between 3 to 4 weeks and should be very detailed to help establish the most accurate value of the land. However, this can vary depending on the size of the land, type of use, location, and market volume.
Title Agreement

The Title Process

A land loan requires a title commitment and a title check to ensure ownership, and that there are no hidden liens against the title. If all information has been submitted correctly, the title process generally takes around a week or two.

benefits of a land loan

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UP TO 80%
FINANCING
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LOW CLOSING
COSTS
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TERMS UP TO
15 YEARS
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NO PRE-PAYMENT
PENALTIES

Ways To Pay Your Loan

Online Banking

ONLINE

Phone Call
Letter
Credit Union branch

BY BRANCH

Meet Our Mortgage Team

Headshot of Holly Barlow

Holly Clark

Mortgage Servicing Supervisor
(409) 726-2113
  Email

Headshot of Sandra Flanigan

Sandra Flanigan

Senior Mortgage Lender
(409) 726-2104
  Email

Headshot of Sandy Ferrell

Sandy Ferrell

Senior Mortgage Lender
(409) 726-2106
  Email

Charla Bailey

Charla Bailey

Mortgage Loan Processor
(409) 726-2107
  Email

Headshot of Pauline Villarreal

Pauline Villarreal

Mortgage Lending Manager
(409) 726-2119
  Email

Get answers to frequently asked questions