Get Closer to Your New Country Home
When it’s time to buy a home, we’re here to help you. With loans uniquely designed for rural buyers and on-the-ground expertise from loan officers who live in your communities, we can help you get Closer to What Matters®.
Home Loans
Our goal is to get you into the home of your dreams.
A home loan from Rural 1st makes purchasing or refinancing your home simpler. We offer a variety of lending options, including fixed and variable-rate mortgages for homes on acreage.‡ Our loans are uniquely designed for rural property purchases.
With a Home Loan You Can…
Choose your down payment
We can finance most homes on acreage for as little as 15% down.† And we never charge private mortgage insurance (PMI).
Finance any type of rural property
We offer loans on both existing homes and bare land, and value the acreage and site improvements for maximum equity.
Why Rural 1st?
Lower rates for less
If a lower interest rate becomes available after you’ve closed, you can reduce your rate every year for a small fee through our Conversion Program, without the hassle of refinancing.*
Prequalified for longer
Your Rural 1st prequalification requires only a soft credit pull and, oftentimes, can be completed quickly. Prequalification is valid for 90 days and easily renewed, so you’re ready when the perfect property hits the market. We can also provide preapproval, valid for six months, with a hard credit pull.
Service from start to finish
We’re committed to going above and beyond to serve rural customers and their communities. Our friendly support and customer service teams will be with you until your final payment is made.
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.
Estimate the amount of yearly insurance you’ll need
Estimate the amount of yearly taxes you’ll owe
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.
Estimate the amount of yearly insurance you’ll need
Estimate the amount of yearly taxes you’ll owe
You might be eligible for a loan up to
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Total Payment
Principal:
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Interest:
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Insurance & Taxes:
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Customer stories
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.
“Rural 1st was great. Everything was laid out and clearly explained to us.”
Philip Veirs
New Haven, Kentucky
‡Subject to review and approval.
†A $200,000 loan would require a 15% down payment with a monthly principal and interest payment of $1,364.35 for 360 months based on 7.59% 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 06/09/2025.
*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.
Explore Your Options
Get Started
One of our loan officers will contact you to discuss your financial options.
Inquire NowStart Your Application
Ready to get started on your loan application? You can complete your application online.
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