Explore Land Loans with Sentinel Federal Credit Union
At Sentinel, we know your dream home starts with the land beneath it. Whether you’re looking to build now or buy the perfect plot for later, our Land Loans make it simple and affordable to invest in your future. Flexible terms, competitive rates, and fast local decisions make us the right partner for your land purchase.
Here are a few key points about our land financing:
- Competitive Local Rates
- Flexible Terms Up To 10 Years
- Easy Application Process
- Federally Insured
- Payment Options
Why Choose Sentinel Federal Credit Union For Your Land Loan?
Critical space for your future. Whether you’re looking for that perfect rural escape, a place to build your forever home, or land to develop later — Sentinel is here to help. Our loan officers live and work right here in South Dakota and understand the value of land ownership in our community.
Competitive Rates in the Black Hills
From rural lots to an acreage on the edge of town, our land loan rates are some of the best you’ll find in the region. We offer flexible terms and local support every step of the way — so you can buy with confidence.
Whether you’re purchasing land as a first step in your long-term plan or investing in future opportunities, a Sentinel Land Loan gives you peace of mind and predictable payments.
Get Pre-Approved Before You Go Land Shopping
We encourage all prospective buyers to get pre-qualified before you start walking plots. When you’re pre-approved, you can shop confidently, knowing exactly what you can afford — and sellers will take you seriously.
Our simple process helps you get answers fast, with no impact to your credit score.
Ask For A Sentinel Land Loan Right At The Closing Table
You can work directly with your real estate agent or closing service to finance your land purchase with Sentinel Federal Credit Union. We coordinate with property professionals across the Black Hills to make it easy to close with Sentinel.
If you’re already a Sentinel member — or if you’re not yet — we’re happy to walk you through the steps and get you approved before closing day.
Protect Your Wallet & Your Land Investment
It’s more than just dirt — it’s an investment.
That’s why we offer helpful services to protect your land, your wallet, and your future plans.
Debt Protection
Our optional payment protection plan can help cover your loan payments in the event of unexpected hardship, such as death, disability, or involuntary unemployment.
Property Insurance Support
Our lending team can work with you to connect with local insurance providers who understand land value and coverage needs.
Credit Life and Disability Insurance
For eligible borrowers, this coverage may help pay off your loan if the unexpected occurs.
Land Loan FAQs
What types of land can I finance with Sentinel Federal Credit Union?
You can finance vacant lots, recreational land, acreage for development, or land with future home-building intent.
What are the minimum requirements to apply for a land loan?
You must be a U.S. citizen or permanent resident, have acceptable credit history, and provide documentation of income and assets.
Can I get pre-approved for a land loan?
Yes! Getting pre-approved is quick and easy — and gives you an edge when making offers.
What documents do I need to apply for a land loan?
Expect to provide income verification, tax returns, a credit check, and a purchase agreement (if applicable).
Are there any fees associated with getting a land loan?
Yes, standard origination and closing costs may apply. We’ll go over everything with you upfront.
Can I refinance my existing land loan?
Yes, if you already own land and want better terms, we can help you refinance with Sentinel.