There are a few ways to pay for a lot at the Lake of the Ozarks. Here are the options our buyers use most. Ready to apply? Apply for owner financing.
1. Owner financing from us
Most of our lots can be bought with owner financing, with no bank involved. Each lot page shows the lowest down payment for that lot and example monthly payments at 10% interest over 3, 5 or 10 years. Call or text 573-480-0117 to set it up.
2. FCS Financial (farm credit)
FCS Financial is a Missouri farm credit lender that makes loans on rural and recreational land, with fixed rates for up to 30 years. Visit myfcsfinancial.com or call (855) 507-2276 to find the office nearest the lake.
3. Local banks and credit unions
Many banks and credit unions around the lake make lot loans. Ask for a “lot loan” or “land loan.” Expect a larger down payment and a shorter term than a home loan, and bring the lot’s parcel number and listing page.
4. Lot plus construction loan
If you plan to build soon, a construction-to-permanent loan can cover the lot and the house in one loan. See Building on your lot for builders who work in our neighborhoods.
We are not a lender or a financial advisor. Rates and terms come from each lender, so check with them directly.