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Lot & Land Loans

The purpose of a lot loan* may be to purchase a lot that currently has a structure to be torn down after purchase. If that is the purpose of the loan for which you are applying, please:

Click here to Apply Now!

Residential lot loans* include term loans to the individual consumer to purchase a residential lot/land intended for their future home site (primary or second/weekend home site).

CommunityBank of Texas offers to the individual homeowner several lot products with a short or longer term maturity. Short term products are for homeowners that intend to build their home within that period. The short term loan options are interest only monthly while the homeowner uses that time to engage a contractor, design the plans & specs for the future home. The longer term loan product is for buyers that do not plan to build in the near term.

Lot and Land Loan Consent Form

Primary Applicant

Primary Applicant's Name is required.

Joint Applicant

If not applying for joint application, enter "N/A" in name field below.
Joint Applicant's Name is required.

Do you authorize us to pull you and your co-borrower’s credit reports in order to pre-qualify you for a loan? If so, please select “Yes” below and provide social security numbers and date of birth on the Universal Credit Application that will appear when you press SUBMIT.

If you do not authorize us to pull these credit reports, leave the radial button below on “No” and press SUBMIT after reading the remainder of this form to be directed to the Universal Credit Application.

Do you authorize us to pull you and your co-borrower's credit reports?

Before attempting to complete the Universal Credit Application, please have the following mandatory information available:

  • Consumer's name
  • Consumer's income
  • Consumer's social security number

If you have any additional questions, you may contact the Mortgage Division closest to you: Beaumont Region 409.861.7225 or Houston Region 713.210.7653.

*Certain conditions may apply.

This application requires Acrobat Reader, Standard or Acrobat Pro. If a different PDF reader is used, the application CANNOT be submitted online. Visit to download Adobe Reader for free.

It is recommended that this application be completed using Internet Explorer with the Adobe Acrobat Reader plug-in.

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Email Disclaimer

Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, CommunityBank of Texas, N.A. suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. Instead, please contact CommunityBank of Texas, N.A. directly at your nearest bank branch.