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Log Home Loans

Our loan officers understand the unique charm of log homes, as well as the complexities of building and living in them. Rural 1st will be with you every step of the way. We’re the expert in rural lending and want to help you live in the log home of your dreams.

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Rustic Building with Rural Experts

We’re the lender who knows log home loans.

Rural construction comes with unique challenges. Because our loan officers are a part of the rural community, they truly understand your needs. Rural 1st offers construction loans to fit your project and keep your future mortgage in mind with a one-time close. We also allow you up to one year to complete your project to accommodate any weather or scheduling delays.

Traditional financing for log homes

We can finance most log home builds in the same way as traditional loans for as little as 15% down. And we never charge private mortgage insurance (PMI).

Your construction partners get paid on time

Building a log home is unique. We make sure your builder and kit company get paid on time with separate disbursements.

Why Rural 1st?

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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.

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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.

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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.

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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.

“Communication was great! From the first contact until closing.”

Jason Deley

Lapel, IN

“All contacts were knowledgeable and helpful in explaining the process.”

Jennifer Tackett

Elyria, OH

“Everything is on-line and very user friendly. I love the ‘Tasks’ features so you can work at your own pace to complete them.”

Michael Finger

Pulaski, TN

A $200,000 loan would require a 15% down payment with a monthly principal and interest payment of $1,264.14 for 360 months based on 6.76% 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 10/04/2024.

*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

5 Steps to Prepare for Construction Loans

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Customer Stories

Setting Families Up for Success

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Articles

Answering Your Top Rural Home Construction Questions

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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