Homesite Loans


If you’re like us at Alabama Ag Credit, you think the best place to live is where you can hear the birds singing in the morning and see the stars shining at night. Our loans help you buy now and build later when you’re ready.

We understand the property features that make country living unique. Whether you are purchasing raw land or a mini-farm, we have a financial program to meet your needs.

Our improvement loans can help you dig a well, put in roads and fences, construct a barn and much more. We also have operating loans and equipment loans that make it easier to work the land.

Once you want to build your home, we can provide a construction loan followed by permanent financing with a one-time closing. Learn more about our home loans and construction loans.

Rates and Terms

  • Terms up to 15 years
  • Quick approval and loan closings
  • No prepayment penalties on most loans
  • Fixed and adjustable rates available

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