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Farm Credit Midsouth offers the same personal service and expertise in home lending that our borrowers have come to expect when financing land and agricultural operations. Whether you're purchasing, building, refinancing or buying a second home in the country or in the city limits, we have a loan program for you. Best of all, we have no acreage restrictions.

Some of our proudest moments at Farm Credit Midsouth have been helping families live the American dream of owning a place to call home. We specialize in writing loans for people in rural areas and are familiar with the unique requirements of rural properties—often because we live there, too! Just a little way outside of town, you can still find quiet country roads and wide front porches. Acres of unparalleled beauty, where you can spend lazy afternoons in a hammock, relaxing and unwinding. A place to kick back, shift to a lower gear and get in touch – with yourself, your family and nature’s simple beauty. Perhaps you are looking for a simpler way of life. A home in the country, perfect for children and pets or peach and quiet. Maybe you need an escape: a place to hunt or fish or raise some horses. Even do a little weekend farming.

Are you looking for a peaceful environment to live and raise your family? Whether you seek the country’s space and openness, with a quiet, laid-back lifestyle, or an attractive lot in a subdivision closer to town, Farm Credit Midsouth knows how to help you realize your dreams. No other lender is better than Farm Credit Midsouth at bring your dreams to life.

Our home loan options have competitive fixed interest rates with flexible terms of up to 30 years make us a logical choice for financing your place in the country. We make it easy to apply online, over the phone or face-to-face at a branch, and offer same-day preapproval for qualified applicants. Along with highly competitive fixed and adjustable rates, we feature single loans for homes and acreage, an interest-earning funds held option and optional automatic payment transfer.

We understand that no two homes or buyers are alike, and can customize financing for unique borrower needs and even the largest properties. So, whether you’re dreaming of room for the family, an outdoor retreat, or a place to plan some roots, Farm Credit Midsouth can make it happen. We’ve been financing land and homes in the country for more than 100 years. Talk with a loan officer about tailoring a home loan just for you.

A house under construction.

Advantage of Home Loans

  • Competitive Fixed Rates
  • Great Rates In-House and Secondary Market
  • Fixed/Adjustable Rates Up to 30 Years
  • No Escrowing for Taxes and Insurance
  • No Distance Limitation on Comparable Sales
  • No Prepayment Penalties
  • 70-80% LVT, Depending on Area of Location
  • Retain Ag Exemptions
  • Financing for Manufactured and Metal Homes

Home Loans Available

  • Purchases
  • Refinancing
  • New Construction
  • Home Improvements
  • Remodeling
  • Investment Property to Qualified Buyers
  • Small or Large Tracts of Land

Home Loan Products

  • Conventional Program
  • Conventional Jumbo Program
  • Secondary Market
  • Portfolio Loans
  • Construction Loans
  • Rural Home Program
  • Rural Home Jumbo Program
  • FHA Program

Farm Credit Midsouth is an equal housing lender. Loans are available to all those qualifying regardless of race, color, national origin, gender, religion, age, disability, political beliefs, sexual orientation, and marital or family status.

Agricultural Financing

Many may think of agricultural financing in the Delta area as primarily focused on rice and cotton, but we know local agriculture like global agriculture is diverse. We welcome agriculturalists of all scales. We work with them and their unique operations to better the agricultural economy in Northeast Arkansas and Southeast Missouri. Whether you farm 15,000 acres, raise organic produce to sell at the Farmers’ Market, run cattle, have poultry houses or raise honeybees, we offer agricultural financial products to help you grow and prosper.

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A completed two-story home.

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