Land & Lot Loans

Need room to spread out? Whether you’re looking for land to build a country home or expanding your existing acreage, we can help you finance open acreage with a land loan.

Whether for residential, business or recreational use, lending for larger, rural tracts is a specialized financial business that requires in-depth expertise.

If you've found a tract that seems perfect to develop into a thriving small farm, or if you've fallen in love with a charming lot that's just right for building your dream home — even if you might not intend to build until years from now — save yourself time and hassle by calling Horizon first.

Bare Land

Looking for a lender who will finance land with no buildings? Search no further. Whether it is a simple 10-acre future building site for your dream home, a 50-acre woodlot or 300 acres of cropland, we are here to work with you on financing your purchase.

Horizon knows rural financing and covers many types of land loan packages. Some benefits of our bare land program are terms up to 15 years (depending on credit factors and down payment amount) and NO prepayment penalties.

Timber & Forest Land

You might have timber and forest land on your property. We recognize the specific needs of properties with timberland and know the added value that it brings to you.

Not only do we finance timber and forest land, but we have on-staff professionals that specialize in the forest products industry. We provide services such as appraisals and timber cruising, as well as other expertise on successful forest management. In order to keep land productive for the long-term, proper forest sustainability is key.

The Horizon Advantage

Rural Property is Our Specialty

Financing for land, country homes with acreage, timberland and more.

No Acreage Limits

No collateral issues here. Big or small, we see value in open acreage.

Long-Term Interest Rates

Affordable rates and flexible terms, customized to your needs.

Build Now or In The Future

Buy the land today and start construction when the time is right for you.

Rural Expertise = Less Hassle for You

We share your passion for living in the country. Let us make the process easy for you.

Take Advantage of Personal Service

Local, personalized customer service means you'll always have someone to call with questions.

Get Started

Interested in learning more about your loan options, how to grow your agribusiness, or upcoming forums and events? Whatever your need, our team is ready to help. Get connected with the right expert.