Home Loans

Porch with dog

Loans to Buy, Refinance or Improve Rural Homes and Land

The Country Home Loan program is designed to promote rural development by providing financing options to purchase or refinance rural homes, land or lots, or to improve a home or property located in the country.

Northwest FCS specializes in rural home loans, is familiar with appraisals and collateral that may not be typical and can often provide a lending solution for rural properties with features many lenders won’t finance.

Northwest FCS rates are competitive, and our lending teams are used to working with farm income and unique rural situations. The Country Home Loan program offers both fixed-rate and fixed-to-adjustable interest rates with a variety of repayment options. You can learn more about available loan terms here.

The Northwest FCS Country Home Loan program provides lending solutions for rural properties many lenders may not be able to finance.

  • Large acreages
  • Bare land without water, power or septic
  • Properties with farm income or zoned for agriculture
  • Land with barns, shops, outbuildings and/or riding arenas
  • Manufactured, log and shop-homes
  • Vineyards, orchards, nurseries, woodlands, conservation lands and other agricultural commodities
  • Properties with multiple, permanent homesites
  • Off-grid properties and multiple, continuous parcels


To learn more about any of our rural home loan programs, please contact your local branch or call 866-552-9172 during business hours.

Equal Housing LenderAll loan actions are subject to program availability. Certain conditions and restrictions may apply. NMLS #543727

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    Branch Locations – Addresses, hours and holiday schedule.

  • Land Buying Checklist

    How to Buy Land

    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.
  • Mortgage Calculators

    Visit our mortgage and loan calculator page to estimate loan costs, evaluate interest rates and explore refinancing benefits.