Rural Home, Construction, and Traditional Mortgage Loans

Texas Farm Credit offers the same personal service and expertise in home lending that our customers value when financing land and agricultural operations. Discover our financing programs for a wide range of rural homes, construction and homesite loans, and traditional or conventional mortgages.

House from the side yard
Elegant home on rural wooded property

Rural Home Loans

Whether you’re ready to make the move from the city to country living or you’re considering financing a barndominium on the perfect piece of land, let Texas Farm Credit put together the best rural home loan program for you.

Rural house foundation being constructed

Construction/Homesite Loans

If you’re ready to start building your country life with a new construction project, Texas Farm Credit can help. Our local experts understand the unique lending needs associated with country properties, including non-conforming properties, extra acreage, and additional buildings.

Rural home with a field of bluebonnets

Mortgage Refinance

You may be considering refinancing your home mortgage to change your mortgage terms or interest rate, or to take cash out of your home’s equity for more liquidity and flexibility. Let Texas Farm Credit’s helpful lending experts walk you through our rate and term refinancing or cash-out refinancing.

Traditional home with a large tree and swing in the frontyard

Traditional Mortgage

One of our most common products is the Conventional Loan Program for borrowers looking to purchase a traditional primary residence, second home, or investment property. After our mortgage loan officers get to know your homebuyer goals, this traditional mortgage option may be the best fit for you.

Reasons To Choose Texas Farm Credit For Your Mortgage

Texas Farm Credit offers the same personal service and expertise in home lending that our borrowers have come to expect when financing land and agricultural operations.

Home Loan Benefits

  • Competitive fixed and adjustable rates
  • Terms up to 30 years
  • No acreage restrictions
  • Retain ag exemptions
  • Financing for manufactured and metal homes

Determine how much your land loan in Texas will cost

Making the decision to buy land in Texas is exciting. Whether you plan to use the acres to launch an agribusiness or simply retire somewhere beautiful, that land is often the start of a new chapter.

But paying for that land? Not quite as exciting.

Getting a land or home loan that works for you, your budget, and your short- and long-term goals doesn’t have to be confusing or stressful.

Use this loan calculator to figure out how much you would owe in interest and principal payments. And reach out to our team here for any other questions.


Success StoriesRobertson Family

This testimonial features mortgage customer John P. "Tooter" Robertson and his loan officer Cade Hord.

Read Full Story All Success Stories
Hanging chuckwagon dinner bell with ranch landscape at sunrise

Borrower Benefit: Patronage Program

When our cooperative does well financially, our borrowers benefit. Learn about our patronage program that benefits co-op member-owners with cash dividends and lowered borrowing costs.

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The Texas Farm Credit eNewsletter is emailed quarterly. It’s our staff’s way of staying connected with stockholders and colleagues.

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