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Full-Time Farmer Cash-Out Loan

Rural 1st offers a special cash-out loan only for full-time farmers. Learn how you can take advantage of this unique program and contact a loan officer in your area to explore your options. If you are not a full-time farmer, check out our Home Equity Loans and Lines of Credit page.

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A man and his Rural 1st loan officer admiring his rural property.

Get Cash When You Need It

Put the equity in your home to work for you.

If you’re a farmer looking for cash to renovate your home, pay for college, purchase neighboring land or just about anything else, a Rural 1st cash-out loan can use the equity in your home to get funds to support your family‘s needs. With various terms, your loan officer can help you find a cash-out loan that works best for you.

A man and his Rural 1st loan officer admiring the view from the front yard of his newly built rural home.

Full-Time Farmer Qualifications

Rural 1st is proud to support rural America, and this loan is designed just for farmers. To qualify for this loan, over 50% of your household income must be gross income from farming. Availability varies by location.

A woman and her Rural 1st loan officer chatting about the construction plans for her rural property.

Get the Total Value of Your Land

Cash-out loans offer a hassle-free application, and we acknowledge the equity in the land, home and outbuildings.

Customer Testimonials

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.

“My loan officer was very helpful and had an immediate response with all the questions I had. He went beyond and exceeded my expectations.”

Michael Miller

Readyville, TN

“Every employee who was involved was super friendly and informative/helpful.”

Rural 1st Customer

Valparaiso, IN

“Very fast and easy process and all of the Rural 1st staff was super helpful and easy to work with.”

Rural 1st Customer

Adamsville, OH

Cash-out loan not available in Texas.

Learning Center Resources


Rural Property Finance Checklist

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At Home With Rural Financing

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Home Remodel Loans How To

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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.

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Contact Us

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

Go to Support