Rural 1st Home Loans | Frontier Farm Credit

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 logo Rural 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).

Rebuilding with Rural 1^st: 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.

MORE EPISODES

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 1^st 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 1^st can help.

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"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 1^st."

Fernanda

Rural 1^st Customer

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LOAN PAYMENT CALCULATOR

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.

Principal

Interest Rate

Payment Schedule

Term

Years

Even

Decreasing

$2,171.59

EACH PAYMENT

$481,774

TOTAL INTEREST

$781,774

TOTAL PAYMENT

Country Living Guide

Here are a few things every first-time rural and country home buyer
should know about:

Water Sources

Check your water sources for quality, quantity and availability through all seasons of the year.

Drainage

Consider water drainage and runoff problems for you and your neighbor – you may need easements or permission to access land owned by someone else.

Zoning Laws

Make sure zoning regulations permit activities you want to conduct on your land and prohibit those you would like to avoid.

Survey

A professional survey completed by a licensed surveyor or a registered civil engineer will give you a detailed description of the property and property lines.

Electricity, Natural Gas, Propane, Phone

If the property doesn’t already have utilities, be sure to learn the costs and responsibilities of running energy to your home. Check phone access and service availability.

Soil Quality

Not all soils are suitable for construction or compatible with septic systems. Call your local county extension agent or local conservation district office for a thorough soil test and rating of your soil for building, septic fields and water drainage.

Access

Find out if the property is accessible year-round. Is there access via public or private property? If it is privately owned, make sure there is a permanent easement and determine if there is a “use and maintenance” agreement in effect with neighboring property owners. Is the easement exclusive to the property or used by others?

Easements

Know what easements, if any, cross your property, what they are for and where they are located.

Outbuildings

Thoroughly inspect any outbuildings on the property. Be sure to check the roof, siding and foundation materials for wear and soundness.

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.

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RURAL 1st® HOME LOANS