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Land Loans

Low interest rates on land loans so that you can build your future from the ground up

Whether you’re ready to break ground or invest in wide-open space for the future, our flexible land loan options are designed to meet you where you are.

Our experienced lending team takes the time to understand your goals, then builds a loan that fits. We can support unimproved and improved land loans, making RMCU the perfect partner in building your future.



Start Your Application
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Montana land ownership made easier.

From rolling pastures to mountain acreage, RMCU offers competitive loans to buy land that are tailored to your vision.

Benefits of an RMCU Land Loan:

  • Financing for both improved and unimproved land
  • As low as 20% down, giving you more flexibility up front
  • Cash-out refinance options are available if you already own land
  • Low interest rates to keep long-term costs down
  • 20-year loan terms, giving you smaller monthly payments
  • Custom-curated loans for every member – because no two dreams are the same
Start your application
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How do land loans work?

A land loan allows you to purchase a parcel of land that doesn’t currently have a home or building on it. There are two main types:

  • Improved land – land that already has utilities, roads, or access in place
  • Unimproved land – raw or undeveloped land without infrastructure

Because land loans are secured by property that doesn’t yet generate income or have a structure on it, they typically require a higher down payment and slightly different terms than a traditional mortgage. But at RMCU, we offer lower rates, longer terms, and customized solutions to make land ownership more attainable.

 

Start your application

Your Montana Mortgage Lenders

Emmie Kleppelid

Emmie Kleppelid

Senior Real Estate Loan Officer

 406.447.5336
 Butte / Helena / Belgrade / Bozeman
 ekleppelid@rmcu.net
nmls# 1512405
Kelly Topinka

Kelly Topinka

Real Estate Loan Officer

406.582.6624
Belgrade / Bozeman / Butte / Helena
kelly.topinka@rmcu.net
nmls# 217148
Toni Lake

Toni Lake

Senior Real Estate Loan Officer/Real Estate Department Manager

406.447.1109
Butte / Helena / Belgrade / Bozeman
toni.lake@rmcu.net
nmls# 1744443

Start Your Land Loan Application

Some restrictions apply. On approved credit. Must qualify for membership. Equal Housing Opportunity Lender. Each account is privately insured up to $250,000 by American Share Insurance.  By members’ choice, this institution is not federally insured. NMLS 585490

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