Loans subject to credit approval. Rates and terms subject to change without notice. rbfcu mortgage loans are available only on property in Texas. Origination fee program not available for short term loans, FHA or VA loans. NMLS# 583215

What property buyers should know about land loans. For lenders, land loans are riskier because the loan’s collateral, the property, isn’t being used for housing, at least in the near term. That makes it easier for an owner to walk away and leave the lender stuck with the land. Because of that risk, down payments and interest rates are higher for land loans than for mortgage loans.

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