Services / Financing

Rural Home Loans

Whether you’re looking to buy your dream home in the country or have your heart set on a hobby farm or cabin in the woods, Farm Credit of Southern Colorado’s Rural Home Loan Program can help you make your dreams a reality.

Ready to Apply?

Contact us today to get started with our financing options.

Southern Colorado mortgage lending made easy, one relationship at a time.

Meet Jennifer & Rick Bowman.

After two major mortgage lenders and countless local banks told the Bowman’s they would finance their rural home and backed out, Rick and Jennifer began to wonder if anyone would be able to help them finance their home.

Then, they found Farm Credit of Southern Colorado.

With just one call, Rick was working with our agricultural financing team, getting his 6,000 square foot home and 80 acre property financed in one product.
The Bowman's Rural Home in Southern Colorado

Our rural home loan program is designed to help you finance:

Conventional Loans:

Single-family residences, duplexes or townhomes with limited outbuildings.

Non-Conforming Loans:

40+ tillable acres or zone agricultural with substantial outbuildings. Financing available for unique properties like log homes, manufactured homes and earth homes. We also offer financing for properties with 5 to 160 acres or more, offer bare land options for recreational properties, and have options for hobby farms and income-producing properties. We also allow for Schedule F income.

The Bowman's Rural Home in Southern Colorado

We finance what other Colorado lenders can’t.

Finding home mortgage financing for your rural property or farm land is no longer a fantasy. We appraise and finance land for agriculture and farm properties that other lenders would find difficult—if not impossible—to find solutions for, including homes in rural towns, log homes, real estate with outbuildings and other unique properties.

We offer competitive rates and financing options to fit many needs, including conventional fixed-rate mortgages, site/land loans, and construction loans.

Want to learn more?

Let’s get started.

Our Ag financing team at Farm Credit of Southern Colorado can help you get the answers you need.

Contact us below and we will get back to you as soon as we can.