Land Loans

Found Your Piece of Montana?

The right property can be the beginning of what's next. Whether you've found the property or you're still exploring what's out there, RMCU's local lending team can help you understand available financing options and your next steps.

Start Your Application

Is This Loan Available to You?

RMCU land loans are a member benefit, so you'll need to qualify for membership before you can finance with us. Most members qualify because they live, work, or worship in one of our service-area Montana counties, though there are a few other ways to qualify too. If you're considering land in Montana from out of state, it's worth checking your eligibility first.

See Membership Qualifications

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
Flexible down payment options
Cash-out refinance options are available if you already own land
Low interest rates to keep long-term costs down
A range of loan terms
Custom-curated loans for every member – because no two dreams are the same

Start your application

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 competitive rates, longer terms, and customized solutions to make land ownership more attainable.

Start your application

Toni Lake

Senior Real Estate Loan Officer / Real Estate Department Manager

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

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

Land Loans

Found Your Piece of Montana?

Is This Loan Available to You?

Montana land ownership made easier.

How do land loans work?

Your Montana Land Lenders

Toni Lake

Emmie Kleppelid

Kelly Topinka

Start Your Land Loan Application

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