Home Loans

Rural Home Loans for Buying or Building a Home

AgSouth Farm Credit provides rural home loans designed for buying or building in country and rural communities. Whether you’re purchasing an existing home or starting new construction, our financing supports your timeline, property type, and long-term plans.

We work with both farmers and non-farmers looking to purchase or build in rural areas. Whether your connection to the land is through your livelihood or your lifestyle, our team understands the unique aspects of rural properties and home financing.

Rural properties often include acreage, outbuildings, or land use considerations that don’t always fit standard lending models. Working with a lender who understands rural property helps simplify the process and keeps your project moving forward from application to closing.

What Can AgSouth Home Loans Be Used For?

Home loans can support a range of residential needs including:

• Buying a home in town or the country
• Building a home on small lots or large acreage
• Purchasing or building a home as part of a working farm operation
• Buying a country home with land for part-time farming, hobby farming, or personal use
• Financing a home on recreational property used for hunting, outdoor use, or weekend stays
• Constructing a primary residence on land you already own or recently purchase

These options are designed to support a variety of rural living goals whether your focus is lifestyle, recreation, or agricultural use.

Disclaimer

Most loans through AgSouth Mortgages do not qualify for patronage. Please ask your lender if you qualify.