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What's the difference between a Country Home Loan and a Conventional Loan?

The Country Home Loan Program through Northwest FCS is designed to promote rural development. Since we specialize in financing rural properties, our lending team is familiar with farm income, rural appraisals, large acreages and bare land. We fill a lending gap that many rural residents and farmers fall into by providing loans for rural properties that often fall outside the scope of traditional, conventional loans.

On many occasions, properties with farm income, large acreages with multiple outbuildings or specialized equestrian facilities will not be eligible for conventional financing. Since we are committed to promoting rural development, we specialize in providing loans for many unique, rural properties.

The list provided on this page is not intended to be comprehensive and should not be substituted for additional research, or a conversation with your local financial institution about available options for your financing needs. Please give us a call if you’d like to learn more about rural residential loans available in your area.

We specialize in providing loans for rural properties and have guidelines that may be different from more traditional lenders:

  • No acreage restrictions
  • Agriculturally-zoned properties are eligible
  • Power, well and septic aren’t typically required
  • Flexible timelines for future home sites
  • Refinancing programs are also available
  • No time limits for building


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

*Available rates and loan terms vary by program.

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