Lot and Land Loans

Whether you plan to build your dream home now, or years down the road, we made it easy and convenient. Our lot loan allows you to build your dream home when you're ready and wherever you choose.
Loans up to $750,000
25% down for 5 acres or less
Builder primary or secondary residence
Competitive interest rate options
Easily converts to a construction loan when you are ready

Get an Accurate Estimate

Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and PMI. Add your location for more accurate estimates.
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Why Southstate?

We are a local Florida based bank that is committed to helping our customers reach their lending goals. We are knowledgeable within all communities, primarily focused in Naples and Marco Island.  Financing in all 50 States offering a variety of loan options to meet clients needs from investors, second homes and primary home buyers. Over 70 approved condo projects in the last 12 months.  If you're ready to get pre-approved, click the APPLY NOW button to begin your application.