Home and Construction Loans

Specializing in financing homes with acreage

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Home Purchases with AgSouth Mortgages

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

Homes with Acreage - This is our specialty. Other lenders may have stricter regulations on home and acreage bundles. For example, some lenders may only be to bundle up to 5-10 acres. AgSouth can normally accommodate larger acreage (some restrictions do apply).
Conventional Home Loans in Town & in the Country
97% financing for first-time home buyers
USDA & VA Loans
Vacation Properties
Investment Properties
Refinance

Construction-to-Permanent (C2P) Loans

Finance your land, construction, and permanent mortgage with one loan saving you money on closing costs.

As low as 5% down payment
Out in the country or within city limits
Options for barndominiums, manufactured/modular homes, second homes, and homes exceeding the moderately priced dwelling limit.
Up to 12 months of construction time
Fixed rate during construction. Lock in permanent rate within 60 days of completion.

Ready To Get Started?

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Sign Up for Email Series on Buying or Building a Home on Land

Sign up to receive a short email series that breaks down how buying or building a home on land actually works. The series has real-world tips from homeowners, financing options, and guidance on what to consider before moving forward. The goal is to help you feel informed and confident, whether you’re just exploring or starting to plan seriously. You’ll get one email once a week for seven weeks. No spam, just helpful insights.

Frequently Asked Questions

Can you finance a barndominium?

Yes, we finance these homes under the same guidelines of a traditional stick built home.

Do you have to approve my builder?

No, but we do have a builder contract approval process. and we require them to be licensed in the state in which they are building.

Can I build my own house?

Self builds/owner general contractors are not accepted in our program.

I'm self employed, can I get a C2P?

Yes, additional financials will be needed.

Contact Us to Start Your Loan

Our mortgage lenders are local, serving 147 counties in South Carolina, North Carolina, and Georgia. If you are ready to start your loan application, please contact us today.