Homes come in all
shapes and sizes –
so do our loans.

Being the rural experts means we live out here too. That means that unlike other lenders, we have a deep-rooted understanding of barndominium financing and construction. It's what allows us to finance most barndominiums the same way we would a conventional-style home. So you can start living the rural life you've always wanted without having to worry about the larger down payments or shorter terms other lenders offer.

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Tailored lending options

We offer a variety of fixed and variable-rate options to give you the right product regardless of the current market conditions. We also give you the flexibility to lock in your mortgage rate when you acquire the construction loan, or even towards the end of the construction process.*

Closing costs – paying once is enough.

Rural 1^st lets you simply roll your construction loan into a permanent home loan.** Other lenders require you to take out a construction loan and then refinance into a regular mortgage.

Get the maximum value from your lot.

We allow the land you're building on – rather than only the dwelling value – to be used as equity for your down payment. This maximizes your construction financing.

A simple tool to manage your build.

Seamlessly manage draws, inspections, and track your progress all in one place. You, your contractor, and your Rural 1^st team can monitor the project together in real time.

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Financing Partner

Rural 1^st is a tradename and Rural 1^st, the Rolling Hills Window icon, Rural Logic and Closer to What Matters are exclusive trademarks of Farm Credit Mid-America, NMLS 407249.

Rural 1^st products are available to consumers within the territories of participating Farm Credit System Associations.

*Variable to fixed rate conversions available once at least 75% of construction is complete.

**It may be necessary to convert your construction loan from a variable rate to a fixed rate loan. If so, a rate conversion fee of $500 applies. Terms and conditions may apply. Fees subject to change without notice. All loans and conversions are subject to credit approval and eligibility.

Homes come in all shapes and sizes – so do our loans.