As the weather warms, do you dream of an escape to the outdoors? After a year where home also became school, work, gym, and everything in between, buying your own rural property may have never sounded more enticing. Rural 1^st® country living loans are designed to finance what you have in mind – hunting or recreation property, land to build on, or an existing country home.

Lock in a Fixed Rate

As the leader in rural lending, Rural 1^st simplifies the home loan process by offering a variety of rate options – including fixed rates at near historic lows. Rural 1^st helps you find a solution best suited for your needs and property type.

Many traditional financial institutions won’t finance homes attached to acreage or outbuildings since they aren’t eligible for the secondary market – but Rural 1^st does.

Whether your dream property is on hundreds of acres or just a couple, and whether it includes a shed, pond, or house or two, Rural 1^st provides fixed rate loans with as little as a 15% down payment with no private mortgage insurance (PMI) required.

Closer to What Matters

Rural 1^st understands the complexities of country lending because the staff specializes exclusively in making loans for rural properties. For many, country living is getting Closer to What Matters most – like connections to family, fresh air, and nature. Lauren and Cory Sprung of Greene County discovered how a piece of land brought peace to their hectic life after financing their home build through Rural 1^st.

“Until we discovered Rural 1^st, we thought we would have to raise our family and then build our forever home. But their specialized rural financing allows us to raise our family in our forever home on our farm now,” says Lauren. “Rural 1^st helped my husband and me return to our roots, giving our children the same upbringing and getting us all closer to what matters most – family and the comforts of country life.”

“The Rural 1^st home construction loan locked in one interest rate from construction to permanent financing – unlike most traditional loan programs. This gives us peace of mind in today’s ever-changing interest rate market.”

Finding a loan to get Closer to What Matters most shouldn’t be complicated. Rural 1^st streamlines the process and keeps it simple. Contact your local Rural 1^st country living loan officer and make the move.

Ready to Talk to a Rural 1st Lending Officer?

*A $200,000 loan would require a 15% down payment with a monthly principal and interest payment of $953.68 for 360 months based on 3.99% annual percentage rate (APR). Assumes $4,500 in closing costs. Monthly payments do not include amounts for taxes and insurance premiums so the actual monthly payment may be greater. Available rates and terms including the APR are subject to change without notice. The APR is based on the best available interest rate as of 03/02/2021.

Rural 1^st® is the tradename and Rural 1^st, the Rolling Hills Window icon, Rural Logic, and Closer to What Matters are exclusive trademarks of Farm Credit Mid America, NMLS ID 407249. Rural 1^st is also available to consumers within the territories of participating Farm Credit System Associations, including Farm Credit Illinois NMLS ID #1844469.