We understand the unique loan requirements for country homes and acreages. Unlike other lenders, our loan programs are specifically designed to meet the needs of country home and rural property owners. Here’s why:
Large acreage qualifies
Agricultural or residentially zoned properties are eligible
Income-producing properties are eligible
Appraised value can include barns, shops, outbuildings, or riding arenas
No mortgage insurance required
Custom, modular, log, and manufactured homes are eligible
Bare Land & Lot Loans
You’ve found the perfect property for your dream home but you’re not quite ready to build. The flexibility of an AgWest Farm Credit lot loan is a great first step.
There are 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, we offer an all-in-one construction loan
All-in-One Construction Loans
Buy the land you want, build, and move in with one convenient loan.
Just one loan, one origination fee, and one closing
Renovations, remodels and outbuildings are eligible
Interest-only monthly payments during construction provide more cash flow during the building process
Nine-month construction period for conventional homes
Flexible time periods for more complex projects
Interest rates are locked in during construction
Servicing
Reprice
Lot Loan Extension
Re-amortization
Partial Release
All loan actions are subject to program availability. Certain conditions and restrictions may apply.