More information about Bare Land Loans
Finance the Land for What’s Next
Bare Land Loans
Finance the Land for What’s Next
Tri-CU offers financing for qualifying residential land throughout Washington State, with flexible terms and local guidance.
Highlights
- Qualifying residential land
- Property throughout Washington State
- Flexible terms
Frequently Asked Questions
Does Tri-CU finance bare land?
Yes. Tri-CU offers financing for qualifying residential land throughout Washington State.
What type of land can Tri-CU finance?
We primarily finance qualifying residentially zoned property. If you’ve found a piece of land you’re interested in, talk with us. We can take a look and help you determine whether it may fit our program.
How much can I borrow for land?
The amount will depend on the property, its value, your down payment, income, credit history, and other factors. Our lending team can help you understand what financing options may be available for the property you’re considering.
Does Tri-CU offer flexible terms on land loans?
Yes. Tri-CU offers flexible terms for qualifying bare land loans. Because every land purchase is a little different, we’ll work with you to find an option that fits your plans.
Should I talk to Tri-CU before making an offer on land?
Absolutely. Land financing works differently from a traditional home loan. Talking with us early can help you understand your financing options before you make an offer.
1. Does Tri-CU finance bare land anywhere in Washington?
Yes. Tri-CU offers bare land financing for qualifying property located anywhere in Washington State. The borrower must be eligible for Tri-CU membership.
2. What type of land will Tri-CU finance?
The property must be residentially zoned.
Tri-CU does not offer bare land financing for commercial or agricultural property.
3. How much of the property's value will Tri-CU finance?
Tri-CU can finance up to 70% of the value of qualifying bare land.
This means borrowers generally need at least 30% equity or down payment, subject to appraisal and underwriting requirements.
4. What is the maximum bare land loan amount?
Tri-CU offers qualifying bare land loans up to $300,000.
The amount you qualify for will depend on the property's value, your income, existing debts, credit, and other underwriting factors.
5. What loan terms are available for bare land?
Tri-CU offers flexible repayment terms for qualifying bare land loans. The available rate and term will depend on the property, loan amount, borrower qualifications, and other underwriting factors.
Still have questions? Contact TRI-CU and we’ll help you find the right option.
Why Borrow From Tri-CU?
Local Decisions
Made right here in
Benton & Franklin Counties.
Competitive Rates
So you can save more
for what matters.
Flexible Terms
Options that fit
your goals.
Real People
A local team that’s
here for you.
Invested in Our Community
More than loans. A stronger, brighter Tri-Cities — together.
Ready to Get Started?
Find the financing that fits your next move — with local
decisions, competitive rates, and personal service.
Not sure which loan is right for you?
Explore the options above or give us a call.
