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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 1st 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.

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See how much you could save

We make refinancing to a fixed rate loan simple.

Rural 1st 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 $500 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 1st.

“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.”


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 $500.00. Terms and Conditions may apply. The fee is subject to change without notice.

Learning Center Resources

A couple shaking hands with a Rural 1st loan officer on the porch of their new rural home.

Interest Rate Locking and How it Works

Read Now
A couple holding hands and walking away from their new, rural barndo home.

Is Refinancing Right for You?

Learn More
A family of five walking down a rural gravel driveway.

Rural Property Finance Checklist

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Explore Your Options

Get Started

One of our loan officers will contact you to discuss your financial options.

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Start Your Application

Ready to get started on your loan application? You can complete your application online.

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Contact Us

Have questions? You can find what you need on our support page.

Go to Support