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 easy, with a variety of fixed- or adjustable-rate options—like our 15/30 adjustable loan that offers the security of a longer fixed-rate period, along with a lower interest rate.

We’re the leader in rural lending because our process is simple, and our loan officers have been living and lending out here for over 100 years. Let us help you get closer to what 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 personal 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. **A $200,000 loan would require a 15% down payment with a monthly principal and interest payment of $1,432.82 for 360 months based on 7.99% annual percentage rate (APR). Assumes $4,500 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 11/04/2022.

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.