Home Loans

Whether you're hankerin' for a new home on the range or just wanting to spruce up the old homestead, First Ag Credit can make your dreams a reality. We offer customized loans on new and existing homes, as well as loans for refinancing and/or home improvements with terms from 5-30 years.

First Ag CreditHome Loan Advantage

• Choice of fixed rates from 5 to 30 years.
• Competitive market rates.
• No prepayment penalty options.
• Escrow for taxes and insurance may not be required.

Rural and Urban Home Loans

• Home site loans available in country and most small/regional towns.
• Flexible acreage allowed.
• Properties for residential and agricultural purposes.
• Properties that are less than 25% developed.
• Properties that are accessible only by private roads.
• Easements, provided easements do not render the property unmarketable.

Criteria for Eligible Properties

• Single-family, owner-occupied principle residence.
• Primary function must be residential.
• Private mortgage insurance may be required on loans with a loan-to-value ratio greater than 80%.
• Loan must be secured by a first lien.
• Fees and rates will vary.
• Loans are subject to credit approval.

For further information please call Sallie Ford at 940-689-9175 or 1-800-850-3522.

What are the Added Benefits of a loan from First Ag Credit?

Learn about our Voluntary Advance Payment Accounts and Cash Patronage Distribution.

Use our Loan Calculator and start a Loan Application today.