Rural 1st® offers specialized financing for country living.

Whatever rural life you envision, Rural 1st® financing can make it happen.

Frontier Farm Credit is proud to offer home lending through Rural 1st®. Get financing for any type of move in the country – from existing country homes and acreages, to buying land and constructing a home, to expanding, adding outbuildings and making improvements over time. Rural 1st is here to help for the long haul.

Why finance with Rural 1st

Unique Lending Options

Get custom financing to meet the specific needs of your rural property purchase or construction project.

Rural Expertise

Rural 1st has the experience and focus on rural lending to offer loans and financing packages tailored to your specific needs.

Streamlined Loan Process

With highly skilled team members and efficient systems, you can expect a streamlined loan process.

Equal Housing Lender logoRural 1st is a tradename and Rural 1st, the Rolling Hills Window icon, Rural Logic, and Closer to What Matters are exclusive trademarks of Farm Credit Mid-America, NMLS 407249. Rural 1st products are available to consumers within the territories of participating Farm Credit System Associations, including Frontier Farm Credit (NMLS ID #628123).

Living Rural Podcast

Rural 1st® experts take listeners through the home buying and building process, with guests lending their expertise in areas such as home construction, the current real estate market and more.

Rebuilding with Rural 1st: Customer Recounts Recovery after Home Fire

In this episode of Living Rural, Michelle Sandin talks to Shawn Robinson about his family's construction process following a 2022 house fire. Patience is important, so is a good contractor and quick, easy financing.

Country Financing Options

Home Loans

Purchase or refinance your country home with a variety of fixed- and adjustable-rate options. Choose the down payment that fits your needs.

Construction Loans

Go from construction to permanent financing with one simple loan package – refinancing is not required when the project is complete.

Lot Loans

Get a fixed- or adjustable-rate loan on bare land and choose the term and down payment that’s right for you.

Land Loans

When you own your own bare land, you have the freedom to use it how you want. Rural 1st has lending solutions to make it happen.

Home Equity Loans

When you’re ready to buy more land, build a barn or outbuilding or make property improvements, Rural 1st can help.

"Traditional lenders generally don't understand the needs of a rural property. If you're looking to make the move to the country, I would highly recommend you choose Rural 1st."


Rural 1st Customer



This is an estimate of payments for various loan types including farm loans, land loans, ranch loans, livestock loans and ag loans. The actual loan payment amounts may vary depending on the interest rate, closing date and other factors.

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Ready to Talk?

Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.

Frontier Farm Credit serves farmers, ranchers, agribusinesses and rural residents in eastern Kansas. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.