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A father and his two daughters sitting on a dock and fishing after getting financing for land loans from Rural 1st.

Financing for Land Loans

At Rural 1st, we don’t just finance rural projects. We live the rural lifestyle. This means that our expert team of loan officers deeply understands what you want and how to finance the perfect land loan for you.

Land loans

Let us get you Closer to What Matters®.

As the leader in rural lending, we understand what it means to find that piece of land that’s perfect for you. We live out here as well and enjoy the land just as much as you do. From riding ATVs around the woods with your buddies to reeling in that record-breaking smallmouth, we know what gets the blood pumping. And you’ll find working with an experienced lending professional who understands rural property and knows the geographical area can be invaluable in finding land that’s just right. Let’s get a jump start on your rural journey today.

It can be difficult to find financing for land. Our land loans offer fixed-rate financing for bare land. At Rural 1st, we offer the security of a fully fixed-rate loan as well as adjustable-rate options to choose from.

When you own your own bare land, you have the freedom to use it how you want, and Rural 1st has the lending solutions to make it happen. We can help you finance bare land and lots for construction to secure your family's future for generations to come and help them get Closer to What Matters®.

Bare land loans

We can finance your bare land and get you outside to explore and enjoy it. Get ready for your next outdoor adventure.

Explore Bare Land Loans

Lot for construction loans

Even if you don’t have immediate plans to build on your lot, we can help you secure land for future construction.

Explore Lot Loans

Why Rural 1st?

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Flexible options

At Rural 1st we offer the security of a fully fixed-rate loan as well as adjustable-rate options to choose from.

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Get the full value of your land

We acknowledge not only the acreage, but any outbuildings and other site improvements to help you qualify for the maximum loan amount.

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Lower rates without the hassle

If a lower interest rate becomes available after you’ve closed your loan, you can reduce your rate without the hassle of refinancing.* Learn more about our Conversion Program.

Calculate Your Monthly Mortgage Payment

We’re here to help you find a loan that works for you and your needs. Please use our calculator if you’d like to get an idea of your estimated payments or loan possibilities.

Considering a refinance? Check out our refinance calculator.

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Calculate Your Maximum Loan Amount

We’re here to help you find a loan that works for you and your needs. Please use our calculator if you’d like to get an idea of your estimated payments or loan possibilities.

Considering a refinance? Check out our refinance calculator.

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You might be eligible for a loan up to

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Customer Stories

Our sole focus is helping people achieve their goals of owning rural property. Here’s what they had to say about working with Rural 1st.

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“Rural 1st understood our goal. If you want to build a barndo, make sure you do your research and find a lender that shares your vision.”

View Story

Shawna Blackmon

Douglas, TX

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*Provided that eligibility requirements are met. Conversion has a one-time fee of $750.00. Terms and Conditions may apply. The fee is subject to change without notice.

Learning Center Resources

Articles

What First-Time Landbuyers Should Know

Read Now
Articles

Rural Property Finance Checklist

Read Now
Articles

What Are Lot Loans?

Read Now

Explore Your Options

Get Started

One of our loan officers will contact you to discuss your financial options.

Inquire Now

Start Your Application

Ready to get started on your loan application? You can complete your application online.

Apply Now

Contact Us

Have questions? You can find what you need on our support page.

Go to Support