Country Home Loans
We’re committed to providing a full range of products and services to meet the growing needs of the agricultural and rural communities in our territory. If you’ve been dreaming about buying, building or refinancing a home in the country, we’re prepared to help you turn your dreams into reality.
Through our relationship with Northwest Farm Credit Services, we offer the Country Home Loan program, a rural residential lending program that provides three types of loans.
Rural Home Loans
The Country Home Loan program is designed to promote rural development by providing rural residents with access to financing purchase or refinance rural homes, land or lots, or make improvements to a home or property located in the country. The rural home loan program is designed to support rural residents with financing options for rural properties that 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
Bare Land Loans
Loans are available for rural residents who want to buy bare land in the country, or a lot located in a small town. In most cases, bare land purchases won’t require water, well or septic at time of financing.
- 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
One-Step Construction Loans
The One-step Construction Loan simplifies the construction process by eliminating the need for multiple loans. With this program, you can finance every step of your homebuilding journey with one convenient loan that offers multiple options for locking in rates and making payments during the construction period.
- One loan, one set of fees and one closing
Renovations, remodels and outbuildings are eligible
Flexible time periods for more complex projects
Interest rates locked in during construction
If you’re ready to take the next step with Northwest FCS, or be connected with your regional Northwest FCS Relationship Manager, please get started here or call 866-552-9172.
Who is Northwest Farm Credit Services?
Northwest FCS is a fellow Farm Credit System association with headquarters located in Spokane Washington. Their territory includes Montana, Idaho, Oregon, Washington and Alaska. Northwest FCS also coordinates efforts with several Western associations, including Farm Credit West, to offer residential loan services in most counties in California, Utah, Arizona and Hawaii, and in portions of Colorado, Kansas, New Mexico, Oklahoma and Wyoming. We proudly endorse Northwest FCS as a provider of the Country Home Loan program. Learn More
Northwest Farm Credit Services, FLCA, offers, owns and services Country Home Loans in areas served by other Farm Credit associations with their express written consent and approval.
All loan actions are subject to program availability. Certain conditions and restrictions may apply.
Northwest Farm Credit Services is an Equal Housing Lender.
Northwest Farm Credit Services is an equal opportunity provider and employer.