Home Loans

Our goal is to seamlessly get you closer to what matters most. Like family, friends and a tight-knit community. A home loan from Rural 1st makes purchasing or refinancing your home simpler, with a variety of fixed- or adjustable-rate options—like our adjustable-rate loans that offer the security of a longer fixed-rate period, along with a lower interest rate.

Our loan officers are experienced in rural lending, so they can help you navigate the entire journey. We’re with you every step of the way. Let us help you get closer to what truly matters with a home loan from Rural 1st.

Finance or refinance any type of property

We can lend on homes and properties in rural areas.* And we value both the acreage and improvements, like the home and barns on the property.

Choose the down payment option that fits

Many lenders require a large down payment to avoid private mortgage insurance (PMI). At Rural 1st, you can put down less with no PMI.

*Provided that eligibility requirements are met. All loans are subject to credit approval and eligibility.

Explore Your Options

We make purchasing and refinancing easy, with a variety of fixed- and adjustable-rate home loans to choose from—with low down payments and no PMI.