Real Estate and Farm Improvement Loans
Fixed, variable and adjustable rate mortgages are available with several maturities. We finance farms, (full and part-time), timber and other rural properties. We also make long-term rural home loans.

Home Loans
For more details, see the AgSouth Mortgages program. Home Loans to purchase or refinance homes. Financing available for larger tracts with dwellings.

Equipment Loans
Upgrade or replace inefficient equipment and take advantage of dealer cash discounts by financing through Farm Credit. Once your receive approval on your loan request, a full array of flexible terms and interest rates are available.

Operating Loans
Revolving and annual lines of credit are available to farm owners and operators. Payment schedules can be established to conform with your income from crop or livestock sales. An operating loan may allow you to run your spread more efficiently, because you can realize savings through cash discounts, locking in prices by paying ahead, and tax benefits for prepayment of some expenses.

Irrigation Loans
To make sure your operation prospers through drought conditions, arrange an irrigation loan through Farm Credit. Your yields will be higher, which means higher profits. We have a full range of rates and terms to fit your situation.

Automobile and Personal Loans
We provide loans for cars or trucks, college tuition or just about any credit need for farm owners and operators. As with our other loans, payment schedules can be tailored to coincide with your income.

Specialized Operations
We are considered specialists in the area of financing poultry, dairy and greenhouse/nursery operations. Repayment schedules can be tailored to coincide with your income and cash flow of the operation.

AgSouth’s Residential Lot Loans features:

• Small and large tracts considered
  
• Property must be intended for owner occupancy residential housing
  
• Property may be accessed by a private road
  
• Easements permissible
  
• Loan amounts up to 85%
  
• Loans eligible for patronage
  
• Terms up to 15 years
  
• Fixed, variable & adjustable rates
  
• No prepayment penalties on variable rate option (also applies to some fixed & adjustable rate options)