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Mortgage Products

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Hi There! It’s Konni Williams (NMLS 1955647) with Texas Farm Credit’s Mortgage Team.

We get lots of questions about our mortgage products and what is the best option for a given property. So, I am going to take the next little bit to explain our products and maybe help identify the option would be best for you.

One of our most common products we offer is a Conventional Loan Program. This is a great option for those that are looking to purchase or refinance a primary residence, second home, or investment property. Our Conventional Products have a maximum loan amount of $510,400, financing for up to 30 years, and are offered with sometimes as little as 5% down. We offer conventional products on homes in the city as well in the country.

Now, if you are a customer looking to purchase something that is on larger acreage or is a bit more unique, like a metal home or barn dominium, you maybe a candidate for our Rural Home Program. Like a Conventional Loan, our Rural Home Program has a maximum loan amount of $510,400, financing up to 30 years, and can be offered with sometimes as little as 5% down.

Both our Conventional and Rural Home Program require minimum credit scores, which are subject to change, but are usually around the 620-640 range.

I know you maybe wondering.. What if I am interested in purchasing or refinancing a property that will require a loan larger? Well, luckily for you my friend we offer products for those too.

More Products & Benefits

Our Conventional Jumbo Program is for both rural and city properties that would require a loan amount greater than the $510,400. We offer up to 30-year financing and even have some adjustable rate mortgage options. Lastly, the Conventional Jumbo down-payment amounts will vary with the property, but most will require between 10% to 20% down.

For country properties, we offer a Rural Home Jumbo Program, which is very similar to the Conventional Jumbo Program. The biggest difference is that there are no adjustable rate options and program requires a down payment minimum of 20%.

Both Jumbo products are subject to minimum credit scores, which may vary, but at minimum are 700 and above.

Texas Farm Credit offers other products including FHA, which is a great solution for those with lower credit scores; VA, which is structured specifically to help those who served our country; First Time Home Buyers, and can even lend on some modular homes on smaller acreage.

It’s important to mention that all Texas Farm Credit’s products will allow ag exemption to stay intact, which ultimately saves our customers time and money.

We know the loan process can be overwhelming, that’s why us here at Texas Farm Credit are equipped and ready to answer your questions and help you navigate the mortgage loan process.

So whether you’re buying, building, or refinancing a home, either in the country or within city limits, we have a loan program for you and a loan officer that is ready to help. Give us call or shoot us an email.

We would love the opportunity to be your mortgage loan partner.


This is not a credit decision or a commitment to lend. Certain conditions and fees may apply. Texas Farm Credit is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from a public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Farm Credit Agency, Equal Credit Opportunity, Washington, DC, 20580. The Texas Farm Credit National Mortgage Licensing System number is 962054.

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