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A couple talking with a Rural 1st loan officer in front of their newly constructed rural home.

The Leader in Rural Lending

More and more families are looking to make their rural living dreams a reality.  But finding the financing for a rural property can be challenging. Whether your clients are looking for land to build their dream home, or acreage for their kids to play and explore, they’ll find the financing they need at Rural 1st®*.

At Rural 1st, we offer the security of fully fixed-rate loans, as well as adjustable-rate options to choose from. Whatever rural lifestyle your clients envision, we have the financing to make it happen.

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A deep understanding of rural financing

Our experience and focus on rural lending allows us to offer unique loans and financing packages. We understand your clients’ dream of country living because we live it ourselves every day.

Loan Conversion Program

Rural 1st allows your clients to convert their existing loan to a lower rate annually for a $500 fee*, and doesn't affect their loan term or maturity date.

Unique lending options

Our custom financing meets the specific needs of rural property purchases or construction projects.

We offer unique lending options for your clients.

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Home Loans

Help your clients purchase or refinance a home on acreage with a variety of fixed- and adjustable-rate options, affordable down payments, and no PMI.

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Construction Loans

Your clients can go from construction to permanent financing with one simple loan package—no refinancing required.*

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Land Loans

We lend on bare land, giving your clients the ability to choose the term and down payment that is right for them.

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Lot Loans

We value both the acreage and any barns or outbuildings on the property to help your clients qualify for the maximum loan amount.

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Barndominium Loans

Unlike other lenders, we have a deep-rooted understanding of barndominium financing and construction. It’s what allows us to finance most barndominiums the same way we would a conventional-style home.

Get in touch with the Rural 1st Loan Officer in your area by filling out this form.

*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.

Subject to review and approval.

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