Land Loans
Discover Land Loans at Sandia Area
Ready to make your land ownership dreams a reality? Our fixed-rate land loans are designed to help you finance the foundation for your future home, business, or investment. At Sandia Area, we're here to support you through a straightforward process, ensuring you can secure and develop the land that fits your goals.
Explore your Land Options
We finance unimproved land parcels up to 5 acres in size, with terms up to 144 months.
Fixed-Interest Rate
Our land loans offer fixed rates, ensuring predictable monthly payments and easier budgeting.
Have Questions?
For commercial, corporate, agricultural, or other business investments, we'll connect you with our Commercial Loan Officer for tailored guidance.
| APR1 | Term in Months | Max LTV | Max Amount |
|---|---|---|---|
| 8.50% | 144 | 70% | $100,000.00 |
| Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 03/12/2025. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. All consumer loans are charged simple interest with no pre-payment penalty. Valid for raw land five (5) acres or less in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel, and Los Alamos. Land loans are fixed rate loan products. A full appraisal and survey will be required on all land loans and normal closing costs, origination fees, application fees, and title insurance are required. See a representative for details. | |||
Your Land, Your Payments, Your Way
Quickly estimate your monthly payments and move closer to owning the perfect piece of land.
What's the process?
Apply online, anytime!
Complete required appraisals and surveys
Build your dream with a great rate!
Debt Protection
Protect your loan with Debt Protection with Life Plus and look out for the ones you love in case of involuntary unemployment, disability, or death.
Calculate Your Payment
Maximize your money and calculate your land loan payment with our easy-to-use calculator.