Home Loans


If you plan to buy or build a home in the country, Alabama Ag Credit can help. Best of all, you don’t have to be a farmer to get financing for a rural home or home construction.

Country Home Purchase

Alabama Ag Credit offers financing and refinancing for rural residences of every vintage, including old antebellum homes, brand-new houses and barndominiums.

One thing that sets us apart from the competition is our ability to finance homes on acreage — something few lenders offer.

In order to qualify, the property must be a single-family, owner-occupied home located outside the city limits or in a small rural town with a population of 2,500 or less. In addition, the dwelling must contribute at least 50 percent of the property’s total appraised value.

Rates and Terms

  • Competitive interest rates
  • Terms of up to 30 years
  • Loans for homes on acreage of most sizes
  • Financing available for traditional and unique homes

Rural Home Construction

Alabama Ag Credit makes financing the construction of your country home easy. You can come to us for the construction loan you need to build your house.

Have you found the perfect piece of land but aren’t ready for a new home yet? We also have rural homesite loans so you can buy now and build later.

Rates and Terms

  • Quick approval and loan closings
  • No escrow requirements
  • No requirement for costly private mortgage insurance (PMI)
  • Financing available for log homes, barndominiums and other unique structures

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