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"For three generations and over thirty years we have turned to the Los Banos branch for financing. They are able to provide us with more lending choices than ever, including the Young Beginning and Small Farmer program that my son now qualifies for - and the best part is, I'm dealing with the same people I've known and trusted for years."
- Joel Cozzi
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Are you yearning for a change of pace and place or a home in the hills? If you're ready for a change, American AgCredit can help. Our Country Home Loan program was developed specifically to finance homes in the country. If your homesite includes extra acreage, a Country Home Loan is the ideal way to finance both in one package.
- The home must be a single-family dwelling that will be your primary residence
- It must be located in open country or in a town with a population under 2,500
Generally, we can finance up to 80 percent of the appraised value.
First of all, you should consider the lender.
- We’ve been financing farms, ranches, and rural homes for over 90 years
- We offer a highly competitive rate that's guaranteed for 60 days from application date
- Loan decisions are made locally, giving you a timely turnaround on your application
- There’s no impound account for taxes and insurance, for less up-front outlay
- Mortgage life and disability insurance is available as financial protection for your family
- Fixed-rate and adjustable-rate Country Home Loans
- Terms from 5 to 30 years, fully amortized, with no penalty for early repayment.
- Fixed-rate loans keep your interest rate the same, giving you a set monthly payment
- Adjustable-rate loans allow your interest rate and payment to change at the interval you choose -- every six months or year
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