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.

  • CHL Callout

    Ready to Apply?

    Connect with your regional Country Home Loan relationship manager by clicking here