Rural Residential Loans

Rural residential loans help buyers finance homes on rural land with flexibility for a range of property types and financing goals.

Loans may cover properties from 5 to 160 acres and include 15- and 30-year fixed-rate options. Financing is available for purchases, refinances, and cash-out refinances.

These loans may support owner-occupied or second homes and allow non-traditional homes like barndominiums, shed homes, or shop homes.

Agricultural-exempt properties are accepted but not required, and Schedule F (farm) income may be used to qualify. Home value may only need to be 30% of the overall property value, helping land-heavy property buyers qualify. Speak with your loan officer to determine if this option fits your rural home financing plans.