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December 22, 2025 | Newsletters

Welcome to the first edition of “Porchlight Perspectives” from American AgCredit. As a valued partner, we wanted to share the latest information about factors impacting rural mortgages like water resources, land values, and financial products like Rural 1st.

American AgCredit is a cooperative that exclusively supports agriculture with reliable and consistent financial services. We specialize in financing agricultural real estate including mortgages on vineyards, ranches, country homes, bare land and much more!

Irrigation pivot in alfalfa fieldWater Spotlight from our Evaluation Services Team

Higher cattle prices and some timely rains in pockets have created optimism across portions of Colorado, Kansas, and New Mexico. Some of those rains brought excess, causing flooding over the past year in areas such as Lincoln County, New Mexico and Saline County, Kansas areas. However, some drought areas remain and wildfire concerns are still high in those areas of Western Colorado and Northern New Mexico.

Kansas cropland sales have remained stable, despite several years of lower commodity prices, though quality is still a driver. This market sentiment can be seen throughout Eastern Colorado and New Mexico farms as well.

Water concerns continue to ripple through markets for irrigated farmland in Kansas, Colorado and New Mexico.

  • On the Front Range of Colorado, water values remain high, with Colorado-Big Thompson water at $55,000 to $60,000 per unit for the first time in more than five years.
  • On the plains of Kansas, all eyes are on water with the Kansas Water Plan and litigation by the Quivira Wildlife Refuge to address water issues, including aquifer depletion.
  • Following suit, ongoing concerns remain with some New Mexico water districts.
Man and woman with horses and beef herd in pasture

Why Work With American AgCredit?

  • We have an experienced, in-house team of appraisers who provide fast escrow turnaround times and outstanding customer service.
  • We pay back our borrowers with an annual cash patronage payment, lowering your effective interest rate by up to 1% each year.
  • We offer competitive rates and personalized financing solutions, including fixed-to-maturity loans with terms up to 25 years.
  • Our loans have no prepayment penalty* with up to 70% loan-to-value on qualified property and strong credit strength

Our sole dedication to agriculture and experienced team of lenders make us the right choice for your client’s financing needs. Contact us today, or call (800) 800-4865.

* Some prepayment fees may apply for particular loan products. Check with your lender for details.

Family in front of rural barnWhat is Rural 1st?

Being the rural experts means living out here, too. It’s what has allowed us to acquire a deep understanding of what it takes to build and finance the rural home of your dreams. It’s how we know every rural journey is different, and why we offer a variety of loan options and features designed specifically for rural home construction, including:

  • Fixed or variable-rate options, to get you the right product, regardless of market conditions
  • Extra flexibility to lock in your mortgage rate when you acquire the construction loan, or even toward the end of the construction process*
  • Opportunity to avoid extra closing costs by converting your construction loan into a permanent home loan once your project is complete**

*Variable to fixed rate conversions available once at least 100% of construction is complete.
**Conversion fee of $750 applies. Fees subject to change without notice. All loans and conversions subject to credit approval and eligibility.

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.

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