Some banks, like ours, are offering excellent discounted pricing and terms on financing lots in our inventory to clear out the "deadwood". This financing usually only applies to lots currently in the inventory of the bank, not some other lot you find on the street.

Our lots, for example, can be financed at 4.99% fixed, 25% down (cash), 30 year amortization with a 5 year call. 1% fee. Compare this to a lot at 8%, 2 year note, if not in our inventory.

Other requirements are a credit score of 675+, DTI under 40%, and the lots are required to have an appraisal.

There are some good deals out there for folks looking to build in the future.

Spots I know of include Bellingham, Clatsop County, OR, Westport beach access lots. Just sayin'.