Have you found the perfect place to call home?


Have you found the perfect piece of land to call home? When it comes to financing a lot for your future home, Wolf River Community Bank has you covered.  If you’re ready to put down roots, take advantage of our 4.99% APR* lot loan promotion!

Our lenders can help you every step of the way from the purchase of your lot, to your construction loan and permanent financing.

Here’s the deal

  • 4.99% APR*
  • Must have Wolf River Community Bank checking account with direct deposit and automatic payment
  • One promotional rate per individual or entity
  • Valid on residential lots in Wisconsin only
  • Maximum loan amount of $100,000
  • New money only, subject to credit approval

How to apply:

finance icon

Request our lot loan special online

Request Now
support icon

Call us

(920) 779-7000

*APR = Annual Percentage Rate. Promotional rate valid on residential lots with new money only and a WRCB deposit account with direct deposit and automatic payment. One promotional rate per entity or individual. Limited time only. All rates and terms are subject to change without notice. All loans subject to credit approval. Maximum loan amount of $100,000. Down payment of 20% required. Other restrictions may apply. Valid in WI only. Example: The monthly payment for a loan of $50,000 with a 3-year term would be $395.22 with a final balloon payment of $43,144.11. APR is effective 10/6/2023.

Lot Loan FAQs

Double Chevron
What is a residential lot loan?

A residential lot loan is a type of financing specifically designed to assist buyers in purchasing a vacant lot or land for residential purposes. It provides funds to acquire the lot, allowing you to secure the perfect location for your dream home.

Double Chevron
How does a residential lot loan work?

A residential lot loan works similarly to a traditional mortgage loan. Once approved, the lender provides funds to purchase the residential lot. After the lot is purchased, you may choose to build your home or hold the land for future development.

Double Chevron
What can I use a residential lot loan for?

Residential lot loans are specifically intended for purchasing residential lots or land. You can use the loan to acquire a vacant lot in a desired location, whether it’s in a suburban neighborhood, rural area, or a planned community. The loan is not typically intended for commercial, investment, or recreational purposes.

Double Chevron
How much can I borrow with a residential lot loan?

The amount you can borrow with a residential lot loan depends on several factors, including your creditworthiness, income, and the appraised value of the lot. We will finance up to 80% of the purchase price or the lot’s appraised value (whichever is lower).

Double Chevron
Do I need a down payment for a residential lot loan?

We require a 20% down payment for a lot purchase.

Double Chevron
What are loans terms for residential lot loans?

The loan can be for a term of no more than 15 years, with an initial rate-lock of 3 or 5 years.

Double Chevron
Can I build on the lot immediately after purchasing it?

Yes, once you have plans and building specifications confirmed with your builder you can start the building process.  Learn more about our construction loans. 

Request our Lot Loan Special Online

View our loan calculator

Chat with a representative