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A couple standing in a field with a Rural 1st loan officer.

Home Equity Loans and Lines of Credit

Our goal is to get you Closer to What Matters®. Whether you’re ready to purchase land, build a barn or make property adjustments, Rural 1st can help with home equity options.

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A newly built rural home sitting on top of a hill.

Simple, Flexible Loans

Rural 1st makes the lending process simple.

We can help you put the equity in your property to work—empowering you to:

  • Purchase an adjacent land parcel
  • Make improvements to your property
  • Build a barn or outbuilding on your property
  • Remodel a portion of your home

We’ll work with you from start to finish to provide the financing you need. And once your loan closes, it’s easy to access and manage your funds with convenient drafts and online transfers.

Flexible Payment Options

You can make interest-only payments or principal and interest payments anytime—without prepayment penalties or fees.

Credit You Can Use Again and Again

As you repay your loan balance, your credit line is replenished so you can keep using it for additional expenses.

Flexible Cash-Out Options

If you’re a full-time farmer, our cash-out feature lets you use the funds for past or future family needs and access up to 100% of the loan proceeds. To learn more, contact a loan officer.

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.

“You guys were great! Thank you so much for all of your help… 5-star lending company!”

Rural 1st Customer

Alexandria, KY

“I just want to thank the team for a very simple and streamlined service.”

Rural 1st Customer


“I liked the communication at every step. The staff made sure I understood the process.”

Jason Deley

Lapel, IN

Subject to review and approval.

Learning Center Resources


Unlock Financial Flexibility with Interest Rate Conversion

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Customer Stories

Sharing Ambitions

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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.

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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