Residential lot size
Lots start at more than 7,750 sq. ft.
Reserve at Oak Hills | Harlingen, Texas
Own Your Harlingen Lot From $644/Month
Explore 7,750+ sq. ft. residential lots, with $0 down options for qualified buyers with verifiable income.
Land financing at a glance
Could $0 Down Put Your Own Lot Within Reach?
Buyers with a 580+ credit score and verifiable income may qualify to secure more than 7,750 sq. ft. of residential land without a down payment.
Minimum score
580+
For the $0 down option
Residential lot
7,750+ sq. ft.
Residential land in Harlingen
Advisor follow-up
Under 48 hours
To review availability and next steps
Check your fit without affecting your credit.
Three questions help your advisor prepare a more useful conversation.
Check My $0 Down Eligibility
Takes about 60 seconds. No credit impact.
Financing terms
12% fixed APR with 240 monthly payments.The estimated payment includes principal and interest only. Property taxes, closing costs and other fees may apply.
This financing example is for illustration. $0 down is available only to qualified buyers with a minimum 580 credit score. Approval, payment and availability are subject to final review.
Italicized details are pending final confirmation.
Own The Land Now. Build When You're Ready.
Secure the property first, then plan a future home on your timeline. Review the practical details that shape what you can do with the lot.
7,750+
Sq. ft. residential lots
Space to secure now and plan around later in a connected Harlingen location.
Utilities
Water and electricity are available near each lot, with septic requirements reviewed before closing.
Building and fencing
Owners may fence the property and build later, subject to permits and recorded community restrictions.
Property records
A survey is provided and the lots are outside the special flood hazard area.
From Eligibility Check To Lot Selection
A YASA advisor reviews your answers, confirms available lots and explains the financing terms before you decide whether to continue.
Check your initial fit
Answer three questions about credit, budget and timing. This form does not affect your credit.
Review available lots
An advisor confirms current availability and explains the complete financing and property terms.
Choose your lot
If you decide to move forward, choose an available lot and continue with formal financing approval and closing.
Takes about 60 seconds. No credit impact.
Check My Initial FitClose to What Matters
Reserve at Oak Hills keeps daily essentials and major routes nearby while giving you more room for future plans.
Breedlove Rd, Harlingen, TX 78550, just east of US-77.
Daily essentials
H-E-B, Sam's Club, Dollar General
Schools
HCISD, IDEA Public Schools, TSTC
Travel access
Expressway access, VIA Airport
Food and convenience
Love's, Subway, Church's Chicken
This May Be a Fit If...
Your answers help the advisor prepare a more useful conversation about availability and financing.
You have steady income you can verify.
Your estimated credit score is 580 or higher.
A payment around $644 per month fits your current budget.
You want to secure land before purchasing or building a complete home.
Questions Buyers Ask First
Review the key financing and property details before deciding whether to continue.
Is $0 down guaranteed?
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No. $0 down is available only to qualified buyers with a minimum 580 credit score, verifiable income and final financing approval.
Does this form affect my credit?
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No. Submitting this initial eligibility form does not affect your credit.
What does the estimated $644.14 payment include?
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The estimate includes principal and interest only. Property taxes, closing costs and other fees may apply.
Is the 12% APR fixed?
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This example assumes a fixed 12% APR over 20 years with 240 monthly payments and no balloon payment.
What income documents may be requested?
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Common documents may include recent pay stubs, bank statements, tax returns or other proof of steady income.
Can I build whenever I am ready?
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There is no immediate construction deadline, but future plans must follow permits, utility requirements and recorded community restrictions.
Can I place a mobile home or RV on the lot?
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Mobile homes and RVs are not permitted as permanent residences. Final restrictions must be reviewed before purchase.
Are utilities available?
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Water and electricity are available near each lot. Septic requirements and connection costs are reviewed before closing.
Where is Reserve at Oak Hills?
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Reserve at Oak Hills is located on Breedlove Rd in Harlingen, just east of US-77 and close to shopping, schools and daily essentials.
What happens after I submit the form?
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A YASA advisor will contact you in less than 48 hours to review your initial fit, available lots and complete financing terms.
See If This Lot Option Fits You
Share a few details to review current availability and whether the estimated financing fits your credit, income and timeline.
$644.14/month
Estimated payment for a $58,500 lot. The estimated payment includes principal and interest only. Property taxes, closing costs and other fees may apply.
Minimum 580 score for $0 down
No credit impact from this form
Advisor follow-up in less than 48 hours