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A couple walking and talking with a Rural 1st home loan officer in front of their rural home.

Is Refinancing Right for You?

There are many different options when it comes to refinancing. From fixed rate to cash-out for farmers, Rural 1st can work with you to determine the best fit for you and your family.

Use our refinance calculator to see if refinancing makes sense for you.

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See how much you could save

We make refinancing to a fixed rate loan simple.

Rural 1st was founded on securing the future of rural communities. As the leader in rural lending, we pride ourselves in serving you throughout the life of your loan. There are many reasons to refinance, from monthly savings to reducing interest.

Need a new mortgage instead? Check out our mortgage calculator.

Fixed rate financing

A consistent monthly payment can help you set a budget, and your payments won’t go up regardless of market conditions. If a lower rate becomes available, you can convert your loan through our Conversion Program annually (or every 12 months) for a small conversion fee*.

Adjust the term of your current mortgage

Depending on your needs, we can help shorten or extend your mortgage. Adjusting the life of your loan term gives you maximum flexibility to grow equity or reduce monthly payments.


This is when you took out your original mortgage


A shorter loan term will have a higher monthly payment, but less interest over the life of the loan

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.

*Monthly payment is based on principal and interest payment only, and if the loan requires or has an escrow account for taxes and insurance, the payment amount will be higher.

How This Refi Stacks Up

Toggle between your current mortgage and your potential refi.

Total Remaining Cost


Remaining Principal -
Remaining Interest -
Interest Rate -
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Years Left in Term -

Total Remaining Cost


Refi Loan Amount -
Total Interest on Refi -
Interest Rate -
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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.

“Excellent service and communication about the whole process.”

Brian Jenkins

Mount Washington, KY

“The whole process was smooth and easy. All questions were answered in a timely fashion.”


Wilmington, OH

“So thankful to have been able to connect and work with you all. No stress involved!!!”

Kimilyn Wittman

New Haven, IL

*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


Understanding Today’s Interest Rates

Read Now

Is Refinancing Right for You?

Learn More

Mortgage Refinancing 101

Read Now

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

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