Rural Home Loans for the Life You Want to Live

Rural home loans may seem hard to come by, but the truth is, it’s all in who you know. At the Farm Loan Center, we work with a variety of lenders to help our clients find rural property loan solutions. Our network of lenders makes it their business to finance hobby farms, rural country homes, ranch loans, site loans and rural homes for veterans.

At the Farm Loan Center, we offer services to anyone who is looking to finance a rural home loan. With affiliates in all 50 states and Puerto Rico, we provide real estate and production financing for over 300,000 rural homeowners and farmers. Whether you are looking to buy a home in a small town in Kansas or buy a country home with acreage in Oregon, we have the services to help you get the rural home loan you need. We offer the most competitive rates in the country to save you money.

Maybe you grew up in a rural area and want your children to experience the joys and benefits of living in the country. Perhaps you spent your childhood in the city, but dream of living in a small town in rural America. If you’re a veteran returning from service overseas, you may be thinking about settling down in the peace and quiet of the countryside. Whatever the reason you are looking for rural home loans, the Farm Loan Center has the resources to help you find what you need.

There are some restrictions when applying for rural home loans. A rural property purchased with one of these loans must be your primary or second home residences, and may or may not include acreage. It must be located in a rural area or in a town with a population of 2,500 or less. These loans are not for starting a working farm, as only minimal agricultural activity is permitted. As a general rule, you will not derive agricultural income from the property. The value of the farm-type outbuildings can not exceed 20% of the appraised value of the property, though barns are allowed. You can have some animals, such as horses or project animals for 4-H.  This loan type is for people who want to live in the country, and is not intended for those who want to start a working farm. 

  • 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
If you’re looking for rural home loans to make your dream of rural living a reality, the Farm Loan Center can help. Call us at (800) 644-9039 or submit a request using our online contact form. We look forward to helping you find your new home in the country.

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