Log Home Loans
Our loan officers understand the unique charm of log homes, as well as the complexities of building and living in them. Rural 1st will be with you every step of the way. We’re the expert in rural lending and want to help you live in the log home of your dreams.
Rustic Building with Rural Experts
We’re the lender who knows log home loans.
Rural construction comes with unique challenges. Because our loan officers are a part of the rural community, they truly understand your needs. Rural 1st offers construction loans to fit your project and keep your future mortgage in mind with a one-time close. We also allow you up to one year to complete your project to accommodate any weather or scheduling delays.
Traditional financing for log homes
We can finance most log home builds in the same way as traditional loans for as little as 15% down.† And we never charge private mortgage insurance (PMI).
Your construction partners get paid on time
Building a log home is unique. We make sure your builder and kit company get paid on time with separate disbursements.
Why Rural 1st?
Lower rates for less
If a lower rate becomes available after you close, you can reduce your rate for a small fee* without the hassle of refinancing.
Choose your builder
While other lenders ask you to work with a builder they prefer, we let you choose your own. And our digital tool lets you manage your build in real-time with your contractor and Rural 1st team.
One-time close
We like to make things easy for you. Other lenders may require you to take out a construction loan and then refinance into a regular mortgage, but Rural 1st can help you go from construction to a permanent loan with one simple package.
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
$-
Total Payment
Principal:
$-
Interest:
$-
Insurance & Taxes:
$-
Customer Testimonials
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.
“Communication was great! From the first contact until closing.”
Jason Deley
Lapel, IN
“All contacts were knowledgeable and helpful in explaining the process.”
Jennifer Tackett
Elyria, OH
“Everything is on-line and very user friendly. I love the ‘Tasks’ features so you can work at your own pace to complete them.”
Michael Finger
Pulaski, TN
†A $200,000 loan would require a 15% down payment with a monthly principal and interest payment of $1,330.60 for 360 months based on 7.32% 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 04/01/2024.
*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.
Apply Now