Vacant Lot Loan

Preparing to build your home can start with a lot loan. 

Want to Secure Your Land Before Building?

A vacant lot loan is ideal if you want to secure a building site but aren't ready to start construction immediately. Our lot loans provide up to 90% loan-to-value financing, giving you the flexibility you need when financing a project in the distant future.

With Merchants' 10% down program, you can finance up to a 40-acre lot size. Larger parcels may be allowed with larger down payments. 

All mortgage loans are subject to credit approval.

Online & Mobile Banking

Take advantage of our Online & Mobile Banking tools, giving you the freedom to do more with your money. 

Credit Cards

Earn rewards at competitive rates when you borrow with a Merchants Visa® Credit Card.

Relationship Checking

The account that rewards you when certain relationship balances are maintained. Being part of the Merchants family has its perks!

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