Land Loans in Colorado

Put Down Roots With a Local Lender Who Knows the Land

For over a century, Farmers State Bank has helped generations of Coloradans build their future from the ground up, literally. Whether you’re buying land for a future home, a peaceful getaway, or a piece of Colorado to call your own, our land loans are built for the wide-open spaces of El Paso County, Teller County, and the rest of Eastern Colorado.

We’re a fourth-generation family bank, and we still believe in doing business the right way, with local decisions, honest answers, and real relationships. When you’re ready to make a move, we’re right here to help.

What You Can Expect

• Finance vacant land for a future primary residence, second home, or recreational retreat
• Available throughout Eastern Colorado, including Park and Teller Counties
• 20% down payment required for lots 40 acres or less
• 35% down required for parcels over 40 acres
• Flexible terms with up to 20-year amortization
• Fixed and variable rate financing options
• Loan fees and closing costs can be rolled in
• Up to 45% debt-to-income ratio allowed
• Local underwriting and fast approvals from people who live and work right here

Why Borrow From FSB?

We’re not just another bank; we’re part of the community fabric. With roots going back to 1918 and family still at the helm, we’ve earned the trust of generations of Eastern Colorado families. Our loan officers understand the ins and outs of rural properties, zoning quirks, and what it really takes to build out here. We’re here to make it easier for you.

Get Started Today

All we need to get the process moving:

• A recent paystub
• The last 3 years of tax returns or W-2 statements

Download Printable Application (PDF)

Have more questions? Call your local branch or stop by. We’re always happy to talk through your plans.

FAQs About Land Loans