Rural Home Loan

What is a Rural Home? 

A Rural Home is a primary or second home residence which may or may not include acreage and is located in a rural area or in a town having a population of 2,500 or less. Only minimal agricultural activity is permitted. Generally, little or no income is derived from the property and as in value of the farm-type outbuildings must not exceed 20% of the appraised value. Family farm animals such as horses and 4-H Project animals and barns are allowed to be on the property.

Farm Loan Center is a national company providing lending services and options, assisting people with Rural Home Loans. People who wish to finance a home on a property where they can produce some supplemental income from agricultural activity such as crops, livestock, hay, alfalfa, etc need look no farther than "Farm Loan Center"

Contact us today at (800) 644-9039 to get you started with a rural home loan. 


rural home loan image of a rural home
Hobby Farm Loan Symbol

What are some of the technical details of a Rural Home Loan? 

  • Minimum loan amount is $100,000
  • Maximum loan amount is $647,200
  • Must be able to make a minimum down payment of 5% on a purchase
  • Refinance to 95% of appraised value 
  • Cash out to 80% of appraised value
  • Primary residence or second homes
  • Income must be verified from pay stubs and/or tax returns 
  • No stated income documentation
  • Minimum credit scores of 640 

Farm Loan Center provides lending options for farms and agricultural properties in all 50 states. Our associations provide real estate financing and home loan options to more than 300,000 farmers and rural homeowners. From the first-time farmer or rancher, to the established farmer or rancher. Farm Loan Center has the rural home loan to fit your needs.

Contact us today at (800) 644-9039 to get you started with a home loan that best fits your situation. We are proud to provide service for everyone especially our Veteran's.