Finance your place in the country with a lender who’s already there.
Farm Credit Services of America's Country Home Loans®
(CHL) are specifically tailored for those who want to buy
or refinance rural homes
Along with country homes, we also finance homes located in subdivisions and small (2,500 or fewer people) rural communities. Individuals who farm or ranch may also qualify for financing in large towns and cities
Locate a CHL Officer
Enter your Zip Code below to find the closest office to assist with your country home loan.
An expertise that delivers added value.
More than attractive rates, we offer a wide range of financing options and services. You’ll also learn that our rural expertise helps make the process quick and easy – and without the hassle you may encounter somewhere else. Rural features like wells, crops, livestock and outbuildings that stump city lenders are a breeze for us.
Here are just a few of the financing features we offer:
We know the country.
- Fixed, interim fixed, adjustable or variable rates, including rate conversion.
- Choose from many term options to meet your needs.
- Choose monthly, quarterly, semiannual or annual payments.
- One-stop loans for new construction.
- Modular/manufactured, log and other unique home financing.
- Rate can be locked in before closing.
- Mortgage loans may be eligible for cash-back dividends
We understand the dream of living in the country, and we have the tools and experience to finance homes there – more than any other lender. Check out our country living guide to help choose the home or acreage you will enjoy.
If you live in Iowa, Nebraska, South Dakota or Wyoming and you’re planning to buy or build a country home, we’d like to hear from you.
To apply for our country home financing, call us at 1-800-884-FARM.
Download a Country Home Loans® Application
Download Authorization to Release Information
These forms are presented in Adobe’s Portable Document Format (PDF). Accessing these files requires Acrobat software, available at no charge from Adobe. Visit Adobe's website to learn more.
Please fax or mail your completed application, release, and checklist to Farm Credit Services of America, Country Home Loans.
Attention: Farm Credit Services of America
Country Home Loans
PO Box 2409
Omaha, NE 68103-2409
Click here to request more information.
To confirm that FCSAmerica and your Country Home Loan Officers are registered to conduct business and have an NMLS ID, please go to the NMLS Registry.