For more than 100 years, we have been serving the financial needs of farmers and ranchers throughout our territory. We have recently entered into an agreement with another Farm Credit lender to increase the range of financing solutions available to our customers.

Through this relationship with AgWest Farm Credit, loans are now available to rural customers who may or may not have an agricultural use for the land. This Country Home Loan program enables us to offer the full spectrum of lending services to rural communities. If you’re unsure if a Country Home Loan is appropriate for you, or if a traditional agricultural loan would be a better fit, don’t hesitate to call us and we can help point you to the right solution.

There are three specific types of Country Home Loans, each of which is designed to solve for a particular financing need.

flower blossoms at sunset, farm home loans

Rural Home Loans

Buying a home or land in the country comes with special requirements. Unlike traditional lending, the Rural Home Loans program is designed specifically to meet the needs of country home and rural property owners. Here’s what that means for you:

  • Large acreage qualifies.
  • Residential and agriculturally zoned properties are eligible.
  • Income-producing properties are eligible.
  • Barns, shops, outbuildings or riding areas can be included in the appraised value.
  • Custom, modular, log and manufactured homes are eligible.

grass next to a barbed wire fence in the snow, country home loans

Future Home Site Loans

If you’ve found the right property for your country home but you’re not ready to build, a applying for a Future Home Site Loan might be a perfect fit. Whether you’re looking at bare land, raw agricultural land or simply an undeveloped site that you envision building a house on later, you can take the first step by applying for a Future Home Site loan with AgWest Farm Credit.

  • No acreage restrictions.
  • Residential and agriculturally zoned properties are eligible.
  • Improvements like power, well and septic are not typically required.
  • Purchase and refinance programs are available.
  • When you’re ready to build, simply switch your Home Site Loan into a One-Step Construction Loan (and save money with fewer fees).

Gambles Family Vineyard, rural home loans

One-Step Construction Loans

You can finance every step of your country home project with one convenient loan. From purchasing the land to building your home and making improvements, the one-step construction loan can help simplify the whole process of financing your country home.

  • Just one loan, one set of fees and one closing.
  • Renovations, remodels and outbuildings are eligible.
  • Flexible time periods and interest-only monthly payments during construction offer more cash flow during the building process.
  • Interest rates are locked during construction.


To learn more about AgWest Farm Credit’s rural residential loans, please get started here or call 866.552.9172 to be connected to your nearest Country Home Loan relationship manager.

Who is AgWest Farm Credit?

AgWest Farm Credit is a fellow Farm Credit System association, providing the same services to agriculture and rural communities that we do at American AgCredit. With headquarters in Spokane, Washington, their territory covers Montana, Idaho, Oregon, Washington, Alaska, Arizona, and portions of California and Nevada. Our relationship with AgWest Farm Credit strengthens both organizations and allows us to better serve our customers’ financing needs. We proudly endorse AgWest Farm Credit as a provider of Country Home Loan solutions. Learn More

AgWest Farm Credit, FLCA, offers, owns and services Country Home Loans in areas served by other Farm Credit associations with their express written consent and approval.

All loan actions are subject to program availability. Certain conditions and restrictions may apply.

AgWest Farm Credit is an Equal Housing Lender.

AgWest Farm Credit is an equal opportunity provider and employer.