Financing for Rural Properties

Tailored Loan Solutions for Non-Traditional Ag and Residential Properties

Agri-One Financial has loans available to finance your rural home property. If you own or are purchasing a country home with acreage in a rural community, we have the product for you. Long-term fixed and adjustable-rate loan products are available. Manufactured housing (doublewide or larger on a permanent foundation) financing is also available. We offer competitive rates and a variety of loan products to meet your financing needs.

Loan Programs for Unique and Rural Property Types

Overview

If you’re purchasing rural land with the intention of building your primary residence in the future, Agri-One Financial can help. Our bare land and lot loan programs are designed for borrowers looking to escape city life and prepare for their dream home in the countryside.

These loans are available for both purchases and rate-and-term refinances and are built to accommodate rural zoning, utility access, and light ag potential where applicable.

Eligibility Criteria:

  • Minimum loan amount: $100,000

  • Loan-to-Value (LTV): Up to 80%

  • Loan terms: 5 to 30 years

  • Refinancing: Rate and term only

  • Intended Use: Must plan to build a single-family, owner-occupied primary residence

  • Farm Income Requirement:

    • For parcels over $121,100, must show intent to generate at least $2,500/year in gross farm income

  • Zoning Restrictions: No neighborhood covenants restricting ag use on qualifying parcels

  • Location: Must be in a rural area or town with a population of 2,500 or less

  • Access & Utilities:

    • Public road access required

    • Electricity must be available at property line or via easement (with “cost to cure” estimate provided)

  • If in flood zone:

    • One of the following must confirm buildability:

      • Municipal sewer access

      • Topography map showing 1+ acre of suitable elevated area

      • Septic permit from local authority

Borrower Qualifications:

  • 2 years of stable employment/income

  • Acceptable 24-month credit history

  • Minimum credit score: 620

  • Net worth: $50,000+

  • Housing-to-Income Ratio: 28% or less

  • Debt-to-Income Ratio: 36% or less

    • Flexibility allowed if:

      • Credit score is above 700

      • 6 months of cash reserves

      • $4,000+ in monthly residual income

      • No delinquencies on term debt in last 12 months

  • Minimum reserves: 2 months of PITI

  • Exceptions may be made with compensating factors (strong credit, extra reserves, low LTV, etc.)

Loan Products Available:

Adjustable Rate Loans:

  • 1-year, 5-year, 10-year, or 15-year ARMs with 5–25 year terms

Fixed Rate Loans:

  • 10-year, 15-year, 20-year, and 25-year fixed terms

Read FAQs

Overview

Agri-One Financial offers loan programs designed specifically for part-time or hobby farm properties — whether you’re purchasing land to start small-scale operations or refinancing an existing property with ag potential. These loans are ideal for borrowers with off-farm income who also plan to maintain some level of agricultural activity.

We also provide financing for manufactured homes (doublewide or larger) on a permanent foundation when used as a primary or second home on the property.

Eligibility Criteria:

  • Property Type: Single-family, owner-occupied primary residence or second home
  • Loan-to-Value (LTV): Up to 85%
  • Maximum Loan Amount: $3 million
  • Dwelling Value Requirement:
    • Primary residence and outbuildings cannot exceed 55% of total value.
  • Acreage: No limit
  • Down Payment Requirements:
    • 15% for primary residences up to $500,000
    • 25% for second homes, rental, or investment properties
  • Ag Use Requirement: Property must have agricultural potential and the borrower must intend to use it agriculturally.
    • If refinancing a second home, rental, or investment property, it must be actively farmed

Borrower Qualifications:

  • Minimum of 2 years of stable income or employment
  • Acceptable 24-month credit history
  • Minimum credit score: 620 (with no mortgage lates in the past 12 months)
  • Minimum net worth: $50,000
  • Housing-to-Income Ratio: 28% or less
  • Debt-to-Income Ratio: 36% or less
  • Minimum of 2 months’ PITI in cash reserves

Loan Products Available:

Fixed Rate Loans:
  • 10, 15, 20, and 25-year terms

Adjustable Rate Loans:
  • 1-year, 3/1, 5/1, 7/1 ARMs (5–25 year terms)
  • 10/1 and 15/1 ARMs (15 or 25 year terms)

Overview

Agri-One Financial offers loan programs designed specifically for part-time or hobby farm properties — whether you’re purchasing land to start small-scale operations or refinancing an existing property with ag potential. These loans are ideal for borrowers with off-farm income who also plan to maintain some level of agricultural activity.

We also provide financing for manufactured homes (doublewide or larger) on a permanent foundation when used as a primary or second home on the property.

Eligibility Criteria:

  • Property Type: Single-family, owner-occupied primary residence or second home

  • Loan-to-Value (LTV): Up to 85%

  • Maximum Loan Amount: $3 million

  • Dwelling Value Requirement:

    • 30% of appraised value for primary residences

    • 50% for second homes, rentals, or investment properties

  • Acreage: No limit

  • Down Payment Requirements:

    • 15% for primary residences up to $500,000

    • 25% for second homes, rental, or investment properties

  • Ag Use Requirement: Property must have agricultural potential and the borrower must intend to use it agriculturally.

    • If refinancing a second home, rental, or investment property, it must be actively farmed

Borrower Qualifications:

  • Minimum of 2 years of stable income or employment

  • Acceptable 24-month credit history

  • Minimum credit score: 620 (with no mortgage lates in the past 12 months)

  • Minimum net worth: $50,000

  • Housing-to-Income Ratio: 28% or less

  • Debt-to-Income Ratio: 36% or less

  • Minimum of 2 months’ PITI in cash reserves

Loan Products Available:

Fixed Rate Loans:

  • 10, 15, 20, and 25-year terms

Adjustable Rate Loans:

  • 1-year, 3/1, 5/1, 7/1 ARMs (5–25 year terms)

  • 10/1 and 15/1 ARMs (15 or 25 year terms)

Read FAQs

Overview

Agri-One Financial offers financing solutions for manufactured homes located on rural land or part-time farm properties. Whether you’re purchasing or refinancing, we provide access to competitive loan options with fixed or adjustable rates.

Eligible homes must be permanently installed, meet HUD standards, and be typical for the surrounding area. This program follows the core criteria of either our Rural Home Loan or Part-Time Farm Loan programs, depending on your situation.

Eligibility Criteria:

  • Must meet the program requirements of Rural Home or Part-Time Farm Loans

  • Home must meet HUD Manufactured Home Construction and Safety Standards (established June 15, 1976)

  • Must be a doublewide or larger, placed on a permanent foundation, with wheels and axles removed

  • Must be classified as real property, with title surrendered or retired

    • If state law doesn’t allow, lender must hold original title with a UCC filing

  • Loan amount: Up to $1 million

  • Loan-to-Value (LTV):

    • 75–80% for purchase or limited cash-out refinance

    • 65% for full cash-out refinance

  • Loan term cannot exceed the remaining economic life of the home

  • Property must be typical for the area, with comparable sales supporting value

Borrower Qualifications:

  • Minimum 2 years of employment or stable income

  • Acceptable 24-month credit history

  • Minimum credit score: 620

  • Cash reserves: At least 2 months of PITI

  • Housing-to-Income Ratio: 28% or less

  • Debt-to-Income Ratio: 36% or less

  • Flexibility available with compensating factors (excellent credit, strong reserves, low LTV)

Loan Products Available:

Fixed Rate Loans:

  • 10, 15, 20, and 25-year terms

Adjustable Rate Loans:

  • 1-year, 3/1, 5/1, 7/1 ARMs (5–25 year terms)

  • 10/1 and 15/1 ARMs (15 or 25 year terms)

Overview

Agri-One Financial provides financing options for log homes and select non-traditional residential structures located in rural areas. While unique properties often fall outside conventional lending criteria, we help clients navigate the options available — as long as they meet key structural and appraisal requirements.

This program aligns with our Part-Time Farm Loan standards and is intended for properties that are owner-occupied with agricultural potential.

Log Home Loan Criteria

  • Must meet all Part-Time Farm program qualifications

  • Maximum loan term: 25 years

  • Minimum credit score: 620

  • Maximum Loan-to-Value (LTV):

    • 75% standard

    • Up to 85% LTV allowed with two like-kind comparables

Approved Unique Home Types:

These must also meet Part-Time Farm program qualifications and be typical enough for appraisal support:

  • Berm Homes – Earth is mounded against exterior walls or roof

  • Geodesic Dome Homes – Constructed of interlocking polygons

  • Steel Beam Construction – Interior beams/joists made of steel

  • Straw Bale Construction – Designed to appear like conventional housing

  • Post-Frame / Morton Building Style Homes – Pole barn-style homes with residential use

Unique Home Loan Criteria:

  • Minimum credit score: 700

  • Maximum LTV: 70%

  • Garage area: No more than 30% of total square footage

Not Eligible for Financing:

  • Converted barns turned into residences

  • Multi-use structures, such as homes attached to or integrated with barns, stables, or other non-residential buildings

FAQs

Rural Land:

What is considered a part-time farm?

A part-time farm is a property with minimal agricultural activity or the capacity for sustained ag use. Typically, the borrower has sufficient off-farm income to qualify, but limited income from the property may also be considered.

A rural home is a primary residence located in a rural area or town with a population of 2,500 or less. Some acreage may be included, but farm activity must be minimal, and farm-type outbuildings must not exceed 50% of the property’s appraised value.

No, there’s no hard limit on acreage. However, larger or non-standard properties may affect which loan products you qualify for.

For Rural Home Loans, yes — the property must be your primary residence. Part-time Farm Loans may apply to primary residences or second homes.

Not necessarily. However, your available loan programs may be limited if the land doesn’t generate or support some level of agricultural income, particularly for part-time farm loans.
Typically no — we don’t offer loans for rental or investment property. However, part-time farm properties may be eligible for financing if rented by full-time or part-time farmers.
Not under this program. But we do offer commercial loans that may be suitable — let’s talk if your project falls into that category.
Yes, if you intend to eventually build your primary residence on the land.
In some cases, yes. Certain loan programs require properties to be in rural areas or towns under 2,500 population.
Yes — as long as the value is supported by a qualified appraisal and comparable sales. If no direct comps are available, adjustments can be made with market support.

The minimum loan amount is $100,000.

  • Rural Home Loans: 80% max LTV for purchases and refinances

  • Part-Time Farm Loans: Up to 85% for purchases and 75% for cash-out refinances
    Note: LTV limits may decrease as loan amounts increase

Yes. With a Part-Time Farm Loan, you can use equity in existing property to buy additional land — it doesn’t need to be adjacent, but if multiple parcels are involved, they must be contiguous.
Yes, including operations for boarding, training, or breeding. If you plan to use income from the farm to qualify, you’ll need a 2-year history backed by tax returns.
Our minimum credit score is 620. Some loan products may be limited if your score is below 660.
Rates vary based on the loan product and borrower profile. Give us a call at 303-773-3545 to discuss current options.
Rate locks are usually available after loan approval. Some products may allow earlier lock-in.
Once we have your complete loan package, including appraisal, most loans close within about 30 days.

Bare Land/Lot

Can I do a cash-out refinance on bare land?
No — bare land/lot loans are only available for rate and term refinances, not cash-out.

You’ll need a minimum credit score of 620 to qualify for a bare land/lot loan.

The maximum LTV is 80% for bare land/lot loans, with terms up to 30 years.

Interest rates vary depending on the loan product and market conditions. Please contact us directly to discuss current rates.

The minimum loan amount for bare land/lot financing is $100,000.

There’s no hard deadline, but you must have the intent to build a single-family, primary residence sometime during the life of the loan.
No — eligible properties must be in a rural area or town with a population of 2,500 or less.

Yes, but only if you are a full-time farmer. In that case, we may finance bare land for second home construction.

No — bare land/lot loans are strictly for properties intended for owner-occupied residential use.

Only on certain parcels. If the land is valued over $121,100, there must be intent to:

Build a primary residence
Generate $2,500/year in gross agricultural income

No — there’s no maximum acreage limit for this loan program.
Yes — as long as there’s intent to eventually build a single-family primary residence on the property.