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Vacant land


Looking to purchase a piece of land for that future dream home? If so a Vacant Land loan may be exactly what you need. HFS FCU offers members two great vacant land financing options depending on your individual needs. Choose fixed rate financing for long term projects or a more affordable interest only option if construction is scheduled to start right away. Compare the many features and advantages of both options below.

Vacant Land Interest Only
With a Vacant Land Interest Only loan from HFS FCU enjoy up to 36 months of interest only payments designed to provide you sufficient time to plan, obtain required permits, and secure financing for the construction of your new home. Additional features include:

•  Competitive interest rates
•  Up to 36 interest only payments with balloon payment at maturity
•  Borrow up to 80% of the appraised value of the land
•  No prepayment penalties

Vacant Land 10 Year Fixed
If your plan is to purchase a piece of land now while prices are low but build that dream home at a later date than a Vacant Land 10 Year Fixed loan is the right solution for you. Enjoy features such as:

•  Competitive interest rates
•  Terms up to 10 years
•  Borrow up to 65% of the appraised value of the land
•  No prepayment penalties

For more information on a vacant land loan from HFS FCU please contact the credit union at (808) 930-1400.

Apply today! Pick up a Real Estate Loan Application at any HFS FCU branch location.

SAFE Act Information

On July 28, 2010 the Nation Credit Union Association (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLOs to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Upon completing this registration, each MLO is provided with a Unique Identifier number from the NMLS. An MLO must provide this Unique Identifier number to each mortgage loan applicant upon request and prior to the employee acting as an MLO.

Click here for a listing of our Mortgage Loan Originators.
Please visit the NMLS registry website for more information.






© 2017 HFS Federal Credit Union
National Credit Union AdministrationEqual Housing Lender

Federally insured by NCUA.
We do business in accordance with the Federal Fair Housing Law.