A couple walking and talking with a Rural 1st home loan officer in front of their rural home.

Is Refinancing Right for You?

There are many different options when it comes to refinancing. From fixed rate to cash-out for farmers, Rural 1^st can work with you to determine the best fit for you and your family.

Use our refinance calculator to see if refinancing makes sense for you.

Get Started

See how much you could save

We make refinancing to a fixed rate loan simple.

Rural 1^st was founded on securing the future of rural communities. As the leader in rural lending, we pride ourselves in serving you throughout the life of your loan. There are many reasons to refinance, from monthly savings to reducing interest.

Fixed rate financing

A consistent monthly payment can help you set a budget, and your payments won’t go up regardless of market conditions. If a lower rate becomes available, you can convert your loan through our Conversion Program annually (or every 12 months) for a small conversion fee*.

Adjust the term of your current mortgage

Depending on your needs, we can help shorten or extend your mortgage. Adjusting the life of your loan term gives you maximum flexibility to grow equity or reduce monthly payments.

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 1^st.

“Excellent service and communication about the whole process.”

Brian Jenkins

Mount Washington, KY

“The whole process was smooth and easy. All questions were answered in a timely fashion.”

Customer

Wilmington, OH

“So thankful to have been able to connect and work with you all. No stress involved!!!”

Kimilyn Wittman

New Haven, IL

*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.