Financing for Bare Land Loans
As the leader in rural lending, we understand what it means to find a piece of land that’s perfect for you. We offer bare land loans on ten or more acres, including land that’s open, timbered or a combination of both. We also welcome tillable acreage.
Jump start your rural journey today with a variety of options customized to fit your needs.
Bare land loans
Supporting you from start to finish.
We pride ourselves in finding flexible terms and down payment options that work best for you. Our support and customer service teams will be here for you until your final payment is made. And if you decide to build on your land or make improvements, we’ll be here to help you with a construction loan.
Fixed rate options on bare land loans
We provide flexible down payment options and financing terms, including fixed rates on bare land to protect you against future increases. If a lower rate becomes available, you can reduce your rate once each year for a small fee,* saving you money in the long run.
Land equity
We also value those acres, along with any site improvements and outbuildings, meaning more land equity for you.
Why Rural 1st?
Lower rates for less
If a lower rate becomes available after you close, you can reduce your rate for a small fee* without the hassle of refinancing.
Choose your builder
While other lenders ask you to work with a builder they prefer, we let you choose your own. And our digital tool lets you manage your build in real-time with your contractor and Rural 1st team.
One-time close
We like to make things easy for you. Other lenders may require you to take out a construction loan and then refinance into a regular mortgage, but Rural 1st can help you go from construction to a permanent loan with one simple package.
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.
Estimate the amount of yearly insurance you’ll need
Estimate the amount of yearly taxes you’ll owe
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.
Estimate the amount of yearly insurance you’ll need
Estimate the amount of yearly taxes you’ll owe
You might be eligible for a loan up to
$-
Total Payment
Principal:
$-
Interest:
$-
Insurance & Taxes:
$-
This calculator is based on the Annual Percentage Rate (APR) being fixed to maturity. Down payment requirements apply. Additional loan fees may apply. Example of monthly payment provided assumes that any taxes, insurance or points to be paid at closing are not financed into the loan amount. The information provided by this calculator is for illustrative purposes only, and Rural 1st does not guarantee any of the information obtained by this calculator. All loans are subject to credit approval and eligibility requirements. This calculator cannot prequalify you for a loan, and qualification requires additional information.
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.
*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.
Explore Your Options
Get Started
One of our loan officers will contact you to discuss your financial options.
Inquire NowStart Your Application
Ready to get started on your loan application? You can complete your application online.
Apply Now
