Attention Mortgage Customers:
We realize there is uncertainty related to the spread of the Coronavirus and that some of you may face financial challenges. If COVID-19 has impacted your ability to make your mortgage payment, we are here to help. Please call us at 800-937-6303 or 800-937-6002 or you can send a secure message through our website at and one of our dedicated specialists will assist you.  Read More From Colonial ➔

Lot Loans for Primary Residences

Colonial offers lot loans for when you've found the perfect location to live, but aren't quite ready to build a new home.

  • Lot loans from $25,000 to $350,000
  • 90% LTV; 720 minimum FICO
  • Interest-only monthly payments with one year to begin construction
  • Must also qualify for the Colonial Single Close Construction Loan
  • Five acre limit in non-rural areas of Texas and Colorado
  • Low rate of Prime + 2.00%