Bare Land and Rural Lot Loans

You’ve found the perfect property for your dream home but you’re not quite ready to build. The flexibility of a Northwest FCS bare land or rural lot loan is a great first step.

  • There are no acreage restrictions.
  • Residential and agriculturally zoned properties are eligible.
  • Improvements such as power, well and septic are not typically required.
  • Purchase and refinance programs are available.
  • When you're ready to build, we offer an all-in-one construction loan.

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. Loan structures and repayment plans largely determine eligible rate programs.


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.