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Exterior view of a recently-built barndominium.

Homes come in all shapes and sizes, So do our loans

Being the rural experts means we live out here too. That means that unlike other lenders, we have a deep-rooted understanding of barndominium financing and construction. It's what allows us to finance most barndominiums the same way we would a conventional-style home. So you can start living the rural life you've always wanted without having to worry about the larger down payments or shorter terms other lenders offer.

Get Started

A young couple talking and looking at paperwork with an agent.

Tailored lending options.

We offer a variety of fixed and variable-rate options to give you the right product regardless of the current market conditions. We also give you the flexibility to lock in your mortgage rate when you acquire the construction loan, or even towards the end of the construction process.§

Well-decorated interior of a barndominium.

Closing costs—paying once is enough.

Rural 1st lets you simply roll your construction loan into a permanent home loan.* Other lenders require you to take out a construction loan and then refinance into a regular mortgage.

View of the front of a barndominium from a distance.

Get the maximum value from your lot.

We allow the land you're building on—rather than only the dwelling value—to be used as equity for your down payment. This maximizes your construction financing.

The front door and landing of a barndominium.

A simple tool to manage your build.

Seamlessly manage draws, inspections, and track your progress all in one place. You, your contractor, and your Rural 1st team can monitor the project together in real time.

Where Is Your Desired Property?

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How Can We Reach You?


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§Variable to fixed rate conversions available once at least 75% of construction is complete.

*Provided that eligibility requirements are met. Conversion has a one-time fee of $500.00. Terms and Conditions may apply. The fee is subject to change without notice.