For Rural Communities

Country Home Loans

For more than 100 years, we have been serving the financial needs of farmers and ranchers throughout our territory. We have recently partnered with another Farm Credit lender to increase the range of financing solutions we can offer. Through this partnership with Northwest Farm Credit Services, we are now able to provide loans to rural customers who may or may not have an agricultural use for the land in mind. This Country Home Loan program enables us to offer the full spectrum of lending services to rural communities.

There are three specific types of Country Home Loans, each of which is designed to solve for a particular financing need. If you’re unsure which program would be most appropriate for you, don’t hesitate to call us and we can help determine the best solution.

bull skull on old wood wall

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.

weeds next to a barbed wire fence in the snow

Future Home Site Loans

If you’ve found the right property for your country home but you’re not ready to build, 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 Northwest FCS.

  • 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

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 Northwest Farm Credit Services’ 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 Northwest Farm Credit Services?

Northwest FCS 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 and Alaska. Our relationship with Northwest FCS strengthens both organizations and allows us to better serve our customers’ financing needs.


Northwest Farm Credit Services, 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.

Northwest Farm Credit Services is an Equal Housing Lender.

Northwest Farm Credit Services is an equal opportunity provider and employer.

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