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 loan advisors are here to walk alongside you through the process of your unimproved land loan. 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 and 20-year fixed-rate options.

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Enjoy personalized service

You’ll have access to the knowledge and information you need to streamline the mortgage process.

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

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

Mortgage rates are issued daily. To get a quick estimated rate without a credit pull, please provide the information below.

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

Start your Application Online

Schedule a Call

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

Have Questions for a Mortgage Loan Officer?

Fill out the short form below to get a call back within the next business day.

FAQs about Unimproved Land Loans

Members Choice will finance up to a maximum of 200 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.