Country Home & Lot Loans

Have you been dreaming about a home in the country? If so, Northwest FCS can help you turn your dreams into reality. And if you already own a country home, we offer excellent refinancing options too.

Country Home Loans

We understand the unique loan requirements for country homes and acreages. Unlike other lenders, our programs are specifically designed to meet the needs of rural property owners. Here’s why:
  • No acreage restrictions
  • Agricultural or residential zoned properties are eligible
  • Income-producing properties are eligible
  • Appraised value can include barns, shops, outbuildings or riding arenas
  • Custom, modular, log and manufactured homes are eligible

See also Bare Land and Rural Lot Loans and All-in-One Construction Loans.

Country Home Interest Rate Programs

Northwest FCS offers a variety of interest rate programs depending on the loan purpose, repayment terms, risk level and flexibility you need.

Reset your rate and save.

When interest rates change Northwest FCS allows you to convert your existing country home loan to current pricing with one easy step, for one low fee. Contact your Northwest FCS relationship manager for more information. Certain conditions and restrictions apply.


If you are having difficulty paying your mortgage, alternatives to foreclosure may be available. Click here for more information.


Equal Housing LenderAll loan actions are subject to program availability. Certain conditions and restrictions may apply.

  • Contact Us

    Contact Northwest FCS

    Branch Locations – Addresses, hours and holiday schedule.

  • Land Buying Checklist

    Land Buying Checklist
    Buying, selling or financing rural properties is often different from properties within city limits. In this guide, you'll find helpful planning tips and practical advice for buying rural land.