Home Loans

Putting down roots? Let us show you how to save money

Loans for your rural way of life

Whether you are buying, building or refinancing, no other lender understands the rural way of life like Farm Credit.  Why? Our experienced lenders live and work here, and love the rural lifestyle too.

Farm Credit offers home lending options just for you:

  • Lots, single-family homes, or large tracts of land
  • Build now or later
  • Competitive interest rates and loan terms
  • One time close, home construction loans

Let Farm Credit help you put down roots and make your home ownership dream a reality.

Learn more tips and tools for choosing your Farm Credit Home Loan

This will depend on your employment history, credit history, current savings and debts, and the amount of down payment you want to make. 

You can take a look at some quick calculations by using our affordability calculator here.

Give Farm Credit of Northwest Florida a call, and we can help you determine exactly how much you can afford and work to help you find the loan that’s right for you.

PMI is private mortgage insurance. This insurance is required on mortgage programs requiring no or little (generally, less than 20%) down payment.   The premium is typically included in your monthly mortgage payment.   Once you have paid down your loan balance to 80% or less or the home’s original appraised value you can request the PMI be cancelled.

Your Home Financing Guide

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Items to Consider Before You Build Your Country Home

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Refinance Your Rural Home to Reduce Costs and Access Cash

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Would you like to calculate your estimated loan payment?

Calculate Payment

Ready to Get Started?

Apply below to let Farm Credit help you finance your dream home.

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Pam Manaton

"It didn’t feel like I was working with a credit lender, it felt like I was working with family or friends to get what we wanted. We wanted to be in the country and they were so helpful in getting us there."

Pam Manaton

What Others Say about Farm Credit of Northwest Florida

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We've got you covered. Start the application process today to get the loan you need.