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Get Closer to Your New Country Home

When it’s time to buy a home, we’re here to help you. With loans uniquely designed for rural buyers and on-the-ground expertise from loan officers who live in your communities, we can help you get Closer to What Matters®.

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Home loans

Our goal is to get you into the home of your dreams.

A home loan from Rural 1st makes purchasing or refinancing your home simpler. We offer a variety of lending options, including fixed and variable-rate mortgages for homes on acreage. Our loans are uniquely designed for rural property purchases.

Choose your down payment

We can finance most homes on acreage for as little as 15% down. And we never charge private mortgage insurance (PMI).

Finance any type of rural property

We offer loans on both existing homes and bare land, and value the acreage and site improvements for maximum equity.

Why Rural 1st?

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Lower rates for less

If a lower interest rate becomes available after you’ve closed, you can reduce your rate every year for a small fee through our Conversion Program, without the hassle of refinancing.*

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Prequalified for longer

Your Rural 1st prequalification requires only a soft credit pull and, oftentimes, can be completed quickly. Prequalification is valid for 90 days and easily renewed, so you’re ready when the perfect property hits the market. We can also provide preapproval, valid for six months, with a hard credit pull.

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Service from start to finish

We’re committed to going above and beyond to serve rural customers and their communities. Our friendly support and customer service teams will be with you until your final payment is made.

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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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.

“The staff was very friendly, helpful and knowledgeable. Loan terms are excellent, better than any bank or other lending institution.”

Mark Johnston

Waterloo, IN

“They were always there when I had questions. The electronic step process kept me informed at all times, which resulted in a stress-free early closing!”

John Gawsyszawski

Brunswick, OH

“They made the process easy for us. Literally the best experience we have ever had with a lender.”

Customer

Franklin, TN

Subject to review and approval.

A $200,000 loan would require a 15% down payment with a monthly principal and interest payment of $1,381.35 for 360 months based on 7.70% annual percentage rate (APR). Assumes $6,293 in closing costs. Monthly payments do not include amounts for taxes and insurance premiums so the actual monthly payment will be greater if an escrow account is established. Available rates and terms including the APR are subject to change without notice. The APR is based on the best available interest rate as of 06/03/2024.

*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

Financing for First-Time Homebuyers: What Rural Homebuyers Should Know

Read Now
Customer Stories

Brazilian National Buys Her Bluegrass Dream

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Articles

8 Tips for Buying, Financing and Closing on a New Home

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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