Finding the right piece of property is important to building the right home. A Lot Loan from Deseret First can keep payments low and help you reach the goal of that perfect home.


  • Up to 5-year term calculated over 30-years to keep payments lower.
  • 80% loan-to-value.
  • Loans for primary and secondary residences.
  • Easily transferred to a Deseret First Construction Loan and long term financing.


  • Membership and eligibility.
  • Credit approval.

With so many options available, let Deseret First help find the right loan for you. Call a Deseret First Mortgage Officer at 801-456-7070 or 1-800-326-3328 ext. 7070, M-F 8:30 am- 5:30 pm.

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5 year Lot Loan example-Monthly payments for a $180,000 loan with a 20% down payment and an interest rate of 6.00% (6.09% Annual Percentage Rate) would be $1079.19 for 60 months. On month 61, the final payment will come due in the amount of $167,738.37. The purchase transaction payment listed is an example only and does not include taxes or insurance premiums. Actual obligation amount may be greater. Membership and eligibility required, OAC.

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