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Lot Loans
Have you found the perfect spot to build your dream home? Use Embassy Bank’s unique Lot Loan to secure that perfect location! Or, if you already own your lot, take advantage of this great product with a simple refinance process.
- Up to 80% financing available.
- For personal purpose lots of 5 acres or less.
- Quick and easy application with minimal paperwork required.
- Monthly and biweekly terms available.
- Save money at closing with Embassy Bank’s limited lender costs.
- No escrow required.
- No pre-payment penalty.
 or call 610-882-8800 to speak to a representative Lot Loans Purchase Money Loan Rates*
80% Loan to Value Ratio; 1-4 Unit Residential Property| TERM | W/AUTOMATIC PAYMENT | MONTHLY PAYMENT PER $1000 BORROWED | BI-WEEKLY W/AUTOMATIC PAYMENT | BI-WEEKLY PAYMENT PER $1000 BORROWED |
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| RATE | APR | RATE | APR |
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| 15 YEARS | 5.750% | 5.909% | $8.30 | 5.750% | 5.904% | $4.15 |
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The following loan terms have payments based on 30-year amortization| TERM | W/AUTOMATIC PAYMENT | MONTHLY PAYMENT PER $1000 BORROWED | BI-WEEKLY W/AUTOMATIC PAYMENT | BI-WEEKLY PAYMENT PER $1000 BORROWED |
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| RATE | APR | RATE | APR |
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| 5 YEARS | 5.375% | 5.617% | $5.60 | 5.375% | 5.599% | $2.80 |
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| 10 YEARS | 5.500% | 5.644% | $5.68 | 5.500% | 5.627% | $2.84 |
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Lot Loans Refinance Loan Rates*
80% Loan to Value Ratio; 1-4 Unit Residential Property| TERM | W/AUTOMATIC PAYMENT | MONTHLY PAYMENT PER $1000 BORROWED | BI-WEEKLY W/AUTOMATIC PAYMENT | BI-WEEKLY PAYMENT PER $1000 BORROWED |
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| RATE | APR | RATE | APR |
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| 15 YEARS | 5.750% | 5.909% | $8.30 | 5.750% | 5.904% | $4.15 |
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The following loan terms have payments based on 30-year amortization| TERM | W/AUTOMATIC PAYMENT | MONTHLY PAYMENT PER $1000 BORROWED | BI-WEEKLY W/AUTOMATIC PAYMENT | BI-WEEKLY PAYMENT PER $1000 BORROWED |
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| RATE | APR | RATE | APR |
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| 5 YEARS | 5.375% | 5.617% | $5.60 | 5.375% | 5.599% | $2.80 |
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| 10 YEARS | 5.500% | 5.644% | $5.68 | 5.500% | 5.627% | $2.84 |
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Check out our other Home Equity products.
* For Loan Amounts up to $425,000. Rates with Automatic Payment include .50% discount for payments directly deducted from an Embassy Bank checking account. Add .50% to all posted rates for loans without Automatic Payment. APR based on $100,000 loan amount. Hazard insurance is required. Title Insurance may be required. Lot Loans are available for properties located in Lehigh and Northampton Counties. Loans subject to credit approval. Rates locked as of date of application for 60 day period and are subject to market conditions thereafter. Lot Loans with 5 and 7 year terms will require a balloon payment at the end of the stated term.
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