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Home Loans

At Rural 1st we make purchasing or refinancing your home easy with a variety of fixed and 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.

Our loan process is simple and 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. With Rural 1st your dreams of country living have never been closer to coming true.

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 $884.75 for 360 months based on 3.38% 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 may be greater. 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 06-01-2020.
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.