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Land and Construction loans

Build a home you love from the ground up, with flexible terms and competitive rates.

Our land and construction loans offer...

Competitive rates

We offer a variety of competitive rates, including fixed rates that protect you from unexpected increases.

Quick loan decisions

At Peninsula, we provide fast and convenient service so you can get start building as soon as possible.

Flexible terms

Everyone’s blueprint is different, which is why we offer flexible loan term options to fit your financial needs.

Build what you want, where you want

Whether you're looking to purchase land or build your dream home, Peninsula offers two loans to get you started.

Land Loans

  • Available for properties 25 acres or less
  • Finished lot rates available
  • 5 year balloon, 25% down, minimum credit score 680
  • 15 year fixed, 5% down, $250,000 maximum finance amount, minimum credit score 660
  • 15 year fixed, 15% – 25% down, minimum credit score 650
  • Path to Homeownership – First-Time Buyer: 15 year fixed, 0% down, $150,000 maximum finance amount, minimum credit score 680
Apply online

Construction Loans:

  • Available for stick-built, modular, and single or double wide homes
    Up to 12 month construction period available
  • Minimum credit score 680
  • 75% Loan-to-Value of completed appraised value
  • Flexible terms
  • Low loan origination fee plus normal closing costs for construction loans
  • Interest-only payments during construction
Apply online

Meet Our Mortgage Officer

  • A photo of our Mortgage Officer, Hollyanna Vopat-Steiner

    Hollyanna Vopat-Steiner

    Mortgage Loan Officer

    Hello! My name is Hollyanna Vopat-Steiner and I am the Mortgage Loan Officer here at Peninsula Credit Union. I am a wife and a mother of 3 beautiful young children. I absolutely love to cook and bake regularly, and in those rare moments to myself, I adore doing arts and crafts. I’ve been working in Community Banking since 2012, and joined the customer service workforce when I was just 14 years old. Over the years, I have identified that I have a very real passion for helping members of the community grow and achieve their personal and financial goals. Whether you’re purchasing your first home, refinancing, purchasing land or in need of a construction loan, I can help you through the process from start to finish. It is my goal to make your loan journey go as smooth as possible and be an overall great experience. Let me help you achieve your goals of homeownership!

    Hollyanna Vopat-Steiner

    360.426-1601 x3162

    NMLS #1227394

Ready to apply for a land or construction loan?

Get started now
Apply Online
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