Financing a Second Home Loan
Whether you’re looking for views of the mountains, easy access to a lake or a cabin for hunting season, Rural 1st has a second home loan to meet your needs.
Home Away From Home
Whatever your dream, we’re here to bring it to life.
Owning a second home in the country is like having a vacation at your fingertips. If you live in the city and are looking for an occasional escape from urban life or you’d just like some extra land for your hobbies like hunting and fishing, a second home is a place to step back, unwind and slow down.
Bare Land for Your Weekend Adventures
If you’re looking to construct a second home on existing land or purchase a second property for your outdoor adventures, we can help. A Rural 1st Loan Officer in your area can find what works best for the land you want to purchase, and your future plans.
Second Primary Residence
If you want a true home away from home, Rural 1st can make it a reality. Whether you want to build or purchase an existing home, we have fixed and variable rate options for you and your budget.
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
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Total Payment
Principal:
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Interest:
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Insurance & Taxes:
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This calculator is based on the Annual Percentage Rate (APR) being fixed to maturity. Down payment requirements apply. Additional loan fees may apply. Example of monthly payment provided assumes that any taxes, insurance or points to be paid at closing are not financed into the loan amount. The information provided by this calculator is for illustrative purposes only, and Rural 1st does not guarantee any of the information obtained by this calculator. All loans are subject to credit approval and eligibility requirements. This calculator cannot prequalify you for a loan, and qualification requires additional information.
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.
*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.
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Ready to get started on your loan application? You can complete your application online.
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