Financing Made Local
Preferred Lenders for Legacy Oaks
Rural land isn’t financed like a house in town. These Central Texas lenders know Lampasas and Burnet County ground, and they write loans for raw land, ranches, recreational tracts, and country homes.
Buying land usually means working with a lender who specializes in rural and agricultural property rather than a standard mortgage company. The lenders below finance land in our area. Legacy Oaks isn’t paid by any of them and doesn’t steer you toward one option. This is a starting point so you can compare terms and choose what fits your plans.
Part of the Farm Credit System, built specifically for land buyers. Financing for farms, ranches, recreational tracts, rural real estate, and country homes across Central Texas.
A local Farm Credit cooperative offering rural land, improvement, and recreational land loans, plus a customer-owned patronage program that returns earnings to borrowers.
Full-service community banking and conventional financing for buyers who prefer to work with a local branch they can walk into. Checking, lending, and everyday banking under one roof.
The VLB Veterans Land Loan Program lets eligible Texas veterans and active military buy land with as little as 5% down at competitive rates. It’s the only program of its kind in the nation.
Estimate your monthly payment
Total interest is the full amount of interest over the life of the loan, amortized over 30 years.
This calculator is for estimation only. Actual rates and terms depend on the lender and your qualifications. Legacy Oaks is not a lender and does not guarantee any rate, payment, or approval. Confirm all figures with your chosen lender.
How ownership can build equity over time
Every payment you make chips away at what you owe. Pair that with an appreciation assumption you set yourself and you can see how value and equity might move over the years. The numbers below are an illustration built from the loan figures above. They are not a forecast, an offer, or a guarantee.
Change this to any rate you want to test. 5.5% is used here as a long term illustration, in line with the kind of average annual change Texas rural land values have shown over the past twenty years. It is an assumption you can change, not a prediction, and no rate of appreciation is promised or expected.
Also assumed: 20% down, and the loan amount, rate, and term entered above.
Total bar height is the hypothetical property value. Illustrative figures only.
| Year | Hypothetical Value | Loan Balance | Owner Equity |
|---|
Hypothetical illustration only. These figures assume the annual appreciation rate shown above, a 20% down payment, and the loan amount, interest rate, and term you entered. The appreciation rate is an adjustable assumption for illustration, not a forecast, an offer, or a promise of performance. Land values can go up or down. Appreciation is not guaranteed, past performance does not predict future results, and actual values depend on market conditions, the individual tract, improvements, and the timing of any sale. Property taxes, insurance, closing costs, and costs of sale are not included. Legacy Oaks is not a lender and does not provide investment, tax, or legal advice. Confirm all figures with your lender and your own advisors.
Talk To Legacy Oaks
Questions about a tract or ready to walk the land?
Lenders are listed for convenience only. Legacy Oaks is not a lender, does not receive compensation from any lender listed here, and makes no guarantee of loan approval, rates, or terms. Confirm all details directly with the lender.
See the Land
for Yourself
Walk the available tracts, compare the terrain and oak cover, and find the setting that fits what you want to build.