A rural Texas land with wildflowers

Texas Land Loans

With our lower down payment option, your dreams of owning land in Texas can be a reality.

Whether you're looking to buy your very own hunting and fishing spot to enjoy the outdoors with family and friends, or a lot to one day build a retirement home in the country, our Texas land loan advisors are here to walk alongside you through the process. We offer competitive rates and flexible terms to help you purchase the rural land you’ve always wanted.

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Get Started with only a 20% Down Payment

Up to 80% LTV for less money down. Get more flexibility and keep more cash in your pocket.
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Competitive Low Rates, Flexible Financing

Save over the life of the loan with your choice of terms – 5 / 10 / 15 Year Fixed and 30/15 Year Balloon.

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Member Exclusive Discounts

For a limited time only, we’ll waive your loan origination fee if your Mortgage is financed through us! Typical savings are 1% on your home Mortgage.

Finance your hobby farm and ranch, or recreational hunting and fishing land with us and take advantage of:

  • Fixed monthly payments over a set time frame
  • Low Closing Costs
  • No Prepayment Penalties
  • Maximum loan amount up to $500,000

Term Rates as low as Estimated payment per $1,000 borrowed
5 Year Fixed
6.499% APR $19.22
10 Year Fixed 6.403% APR $11.10
15 Year Fixed 6.537% APR $8.57
30/15 Year Fixed Balloon 6.837% APR $6.40

Get started with an estimated rate quote – No credit pull required

To get a quick estimated rate quote within 24 hours without a credit pull, please provide the information below to our team.**

Ready to take the next step towards owning your piece of Texas land?

We’re committed to our members, so your loan and service will always stay local.

Start your Full Application Online

Then select “Get Started” from the left navigation to apply online.

Schedule a Call

Email mortgagedepartment@mccu.com or call 281.754.1103 to get started by phone.

FAQs about Unimproved Land Loans

Members Choice will finance up to a maximum of 400 acres.  Maximum loan amount is also $500,000.

Members Choice does not have building requirements associated with our land loans, other than those defined by the subdivision or property owners association where your land is located. 

Your down payment will be dependent on a variety of factors, but a good rule of thumb is somewhere around 20 percent of the total loan amount.

Once you submit your loan application for review, Members Choice will contact you within 24 - 48 business hours.

More FAQs

Loan Account Access

Access your existing unimproved loan account with Members Choice Credit Union*
Login to Loan Servicing 


APR = Annual Percentage Rate.

Land loans are available on unimproved and rural residential properties located in Texas. Agricultural and farm & ranch loans are not allowed.  Our maximum loan-to-value is 80% with a 45% maximum DTI and a minimum 680 FICO. No history of bankruptcy or foreclosures. Full appraisals and title policies are required. 

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships and credit products are subject to approval including credit approval.

* The loan account access tool is compatible with the following browsers: Internet Explorer 10 & higher, Google Chrome, Safari, and Firefox.

** 24-Hour turnaround for estimated rate quote is based on request received Mon-Fri during normal business hours. Weekend applications get processed the following business day. Some variances may occur. Estimated rate quote is based on information provided and is subject to change based on credit pull and information provided during the full application process.