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Rural 1st® Home Loans

Rural 1st offers specialized financing for country living.

Loan Calculator 1-844-GO-RURAL

Whatever rural life you envision, Rural 1st financing can make it happen.

Farm Credit Midsouth is proud to offer home lending through Rural 1st. Get financing for any type of move in the country – from existing country homes and acreages, to buying land and constructing a home, to expanding, adding outbuildings and making improvements over time. Rural 1st is here to help for the long haul.

Why Finance With Rural 1st

Unique Lending Options

Get custom financing to meet the specific needs of your rural property purchase or construction project.

Rural Expertise

Rural 1st has the experience and focus on rural lending to offer loans and financing packages tailored to your specific needs.

Streamlined Loan Process

With highly skilled team members and efficient systems, you can expect a streamlined loan process.

Rural 1st is a tradename and Rural 1st, the Rolling Hills Window icon, Rural Logic, and Closer to What Matters are exclusive trademarks of Farm Credit Mid-America, NMLS 407249. Rural 1st products are available to consumers within the territories of participating Farm Credit System Associations.

Country Financing Options

Home Loans

Purchase or refinance your country home with a variety of fixed- and adjustable-rate options. Choose the down payment that fits your needs.

Construction Loans

Go from construction to permanent financing with one simple loan package – refinancing is not required when the project is complete.

Lot Loans

Get a fixed- or adjustable-rate loan on bare land and choose the term and down payment that’s right for you.

Land Loans

When you own your own bare land, you have the freedom to use it how you want. Rural 1st has lending solutions to make it happen.

Home Equity Loans

When you’re ready to buy more land, build a barn or outbuilding or make property improvements, Rural 1st can help.

Ducks flying over water

Country Living Guide

Here are a few things every first-time rural and country home buyer should know about:

Water Sources

Check your water sources for quality, quantity and availability through all seasons of the year.


Consider water drainage and runoff problems for you and your neighbor – you may need easements or permission to access land owned by someone else.

Zoning Laws

Make sure zoning regulations permit activities you want to conduct on your land and prohibit those you would like to avoid.


A professional survey completed by a licensed surveyor or a registered civil engineer will give you a detailed description of the property and property lines.

Electricity, Natural Gas, Propane, Phone

If the property doesn’t already have utilities, be sure to learn the costs and responsibilities of running energy to your home. Check phone access and service availability.

Soil Quality

Not all soils are suitable for construction or compatible with septic systems. Call your local county extension agent or local conservation district office for a thorough soil test and rating of your soil for building, septic fields and water drainage.


Find out if the property is accessible year-round. Is there access via public or private property? If it is privately owned, make sure there is a permanent easement and determine if there is a “use and maintenance” agreement in effect with neighboring property owners. Is the easement exclusive to the property or used by others?


Know what easements, if any, cross your property, what they are for and where they are located.


Thoroughly inspect any outbuildings on the property. Be sure to check the roof, siding and foundation materials for wear and soundness.

Ready To Talk?

Contact us if you have any questions or need more information. Fill out the form and connect with your Farm Credit Midsouth rural lending expert.

Farm Credit Midsouth services farmers, ranchers, agribusinesses and rural residents in Arkansas and Missouri including the 13 counties of Clay, Craighead, Crittenden, Cross, Greene, Lee, Mississippi, Phillips, Poinsett, St. Francis plus a small portion of Desha in Arkansas and Carter, Ripley and Wayne in Missouri.

For inquiries outside this geography, use the Farm Credit Association Locator to contact your local office.

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