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  • The stockholders of both Heritage Land Bank and Texas Farm Credit have voted in favor of the proposed merger of Heritage Land Bank, ACA with and into Texas Farm Credit Services, ACA. Click here to read the official merger results letter.

Products & Services

Rural Home Construction and Homesite Loans

House from the side yard

Products & Services

Rural house foundation being constructed

Loans for Stick Built and Manufactured Homes, Barndominiums, and More

The possibilities are endless when you live in the country! We know this firsthand: the opportunities to plant crops, raise animals, celebrate with family on sprawling acreage on the 4th of July, or simply sit out under the dark sky and stargaze.

Your country living dreams might also include a custom-built home, or maybe you have some acreage in mind where you’d like to build. Dreaming is the easy part, but when you finance your home construction or homesite with Texas Farm Credit, our goal is to make the reality as simple as possible for you, too.

Financing Your Country Home Build or Homesite

After deciding on homesite location and planning the construction, that’s where Texas Farm Credit comes in, with construction loans that work for you.

One Close Construction Loans

Our one-time close construction loans allow you to start paying your mortgage after closing, avoiding a second closing upon home completion and more closing costs. This saves you money over a traditional two-time close construction loan.

  • 12-month construction period with interest only payments based on the amount drew plus principle
  • Fixed rate mortgage (up to 30 years)
  • Smaller payments during construction to free up cash for any unexpected expenses
  • Start paying on the principle balance from day one

Apply For A Home Mortgage Loan

Inquire about our home loans to kickstart your prequalification process with zero obligation. Contact one of our Texas Farm Credit lenders to explore mortgage or refinancing possibilities customized for your needs.

Contact A Lender

Buying Land and Building a Home

Moving away from the city to build a home on acreage is a dream many share. We’d like to give you an overview of what it takes to make this dream come true.

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Texas Farm Credit Construction and Homesite Loan Features

Get in touch with one of our lenders to discover a home construction or homesite loan package that fits your needs. Texas Farm Credit offers:

  • Construction financing for homes—including stick built, modular, barndominiums—and additions or renovations to an existing residence
  • One-time construction loans, fixed rate, up to 30-year financing
  • Favorable fixed long term interest rates
  • Financing available for unique properties or outbuildings
  • Retain ag exemption

Contact a Lender

Home construction

Our Borrowers Say It Best

  • "All of my questions are always welcomed and answered. (Thank you Brandon Spears!) I appreciate that because I believe when you ask, you learn. I would recommend anyone here. I was actually recommended from my other credit union for a future homestead on a larger amount of acres. Everyone that’s helped me from land loan, mortgage, and construction loan has been very informative. I appreciate them all!" - Mayra V.
  • "Jenny did an amazing job for us. Even when we hit road blocks, she assured us and then guided us until we were past them, and we are now in our new home!" - Catherine W.
  • "This is our second loan with Texas Farm Credit. As our first loan was for land and the second loan is to build a home on that land, the process was different. Jenny was there for us through the whole process. She answered so many questions and worked hard to make sure we stayed updated through the entire process." - Coy & Terri R.

Resource CenterFinancing Your Home Purchase

Our lending experts provide families in our rural Texas communities with their years of experience, professional and personal. Here are a few of their related articles.

All Resource Articles
Thumbnail for video on Home Construction: 5 Steps to Planning and Financing Your Project

Home Construction: 5 Steps to Planning and Financing Your Project

If you’re ready to start building a country life with a new construction project, we can help. This guide will walk you through the five most important steps to planning and financing your home construction.
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Connect With A Lender To Apply

To take the first steps in financing or refinancing your home purchase, connect with one of our loan officers who will walk you through your options and start your application.

Contact A Lender

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