The Thomaston branch will be closed until Thursday, July 29.
The Baxley branch will have temporary office hours from 9am-4pm until further notice.
You can reach your loan officer directly via their cell phone or 844.AGSOUTH.

Home and Construction Loans

Specializing in financing homes with acreage

Looking to buy or build your dream home?

AgSouth MortgagesHome Purchases

AgSouth Mortgages, a division of AgSouth Farm Credit, makes loans for:

  • Homes with Acreage
  • Homes in Town & in the Country
  • Vacation Properties
  • Investment Properties
  • Up to 97% Financing for First-Time Homebuyers
  • Up to 95% Financing for Conventional Loans
  • USDA & VA Loans with 0% down 

Construction-to-Permanent (C2P) Loans

Finance land, construction and permanent financing with one closing!

  • Save money with one closing
  • Lock-in fixed rate during construction with the ability
    to lower rate upon completion if market changes, without fees.

Refinance Your Home Loan

Are you wondering if now is a good time to refinance? Rate, equity and closing costs are things you should consider. Contact an originator today to explain the refinancing process and how we can help you decide if it's right for you. 

Have a mortgage expert contact me

Rural Home Construction Loans with AgSouth Farm Credit 

If your dream is a custom built home in the country then AgSouth Farm Credit’s Rural Home Construction Loan may be best for you. Once your home is complete, we can finance your mortgage under the same roof!
  • Flexible draw schedules
  • Quick turnarounds on draws
  • Payments can go directly to the builder with the home owner’s approval for an efficient process
  • Up to 85% financing

Frequently asked questions

How do I know how much house I can afford?
How do I know which type of mortgage is best for me?
What does my mortgage payment include?
How much cash will I need to purchase a home?
What does my credit score mean?
How can I improve my credit score?
What are some mortgage tips for first-time homebuyers?
What should I have on hand before I apply?

*Disclaimer - Loans through AgSouth Mortgages do not qualify for Patronage.


Home loans through AgSouth Farm Credit 

AgSouth has been financing rural homes and properties for a century, and no one does it better! Whether your dream is buy or build a home in the country with just a few acres to yourself or a plantation where you can raise horses or cows, we can make it happen.

Our loan officers are experts in the field of rural financing, and we have programs to meet any need either through AgSouth Mortgages as noted above or via an in-portfolio loan.

Loans for:

  • Home purchases
  • Home construction
  • Home improvements
  • Home refinancing


  • Share in our profits
  • Conventional Mortgage Programs
  • Homes with unlimited acres

Contact your local, trusted financial partner in the land, farm, and home buying process.