Country Home Loans

We’re committed to providing a full range of products and services to meet the growing residential lending needs of customers in our territory.

Financing Options:

If you're exploring the possibility of buying, building, or refinancing a home in the countryside, we have introduced rural financing options tailored to meet your needs. Farm Credit Services of Colusa-Glenn, ACA has recently partnered with AgWest Farm Credit Services, another Farm Credit lender, to broaden the spectrum of financing options for our customers. This collaboration enables us to provide rural residential financing through the Country Home Loan program. If you wish to discuss whether a Country Home Loan or a traditional agricultural loan is a better fit for your needs, please don't hesitate to give us a call. The Country Home Loan lending program offers three types of loans to cater to your specific requirements.

AGWEST Farm Credit Services, offers, owns, and services Country Home Loans in areas served by other Farm Credit associations with their express written consent and approval. All loan actions are subject to program availability. Certain conditions and restrictions may apply. AGWEST Farm Credit Services is an Equal Housing Lender. AGWEST Farm Credit Services is an equal opportunity provider and employer.

Rural Home Loans

The Country Home Loan program is designed to promote rural development by providing rural residents with financing to purchase or refinance rural homes, land or lots, or make improvements to a home or property located in the country. The rural home loan program offers financing options for rural properties that many lenders may not be able to finance.

  • Large acreages
  • Bare land without water, power or septic
  • Properties with farm income or zoned for agriculture
  • Land with barns, shops, outbuildings and/or riding arenas
  • Manufactured, log and shop-homes
  • Homes on properties with vineyards, orchards, nurseries, woodlands, conservation lands or other agricultural commodities
  • Properties with multiple, permanent homesites
  • Off-grid properties and multiple, continuous parcels

Ready to apply, or connect with your regional Country Home Loan relationship manager?

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Bare Lands Loan

Loans are available for rural residents who want to buy bare land in the country, or a lot located in a small town. In most cases, bare land purchases won’t require water, well or septic at time of financing.  

  • No acreage restrictions
  • Agriculturally zoned properties are eligible
  • Power, well and septic aren’t typically required
  • Flexible timelines for future home sites
  • Refinancing programs are also available
  • No time limits for building

One-Step Construction Loans

The One-step Construction Loan simplifies the construction process by eliminating the need for multiple loans. With this program, you can finance every step of your homebuilding journey with one convenient loan that offers multiple options for locking in rates and making payments during the construction period.

  • One loan, one set of fees and one closing
  • Renovations, remodels and outbuildings are eligible
  • Flexible time periods for more complex projects
  • Interest rates locked in during construction
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Who is AgWest Farm Credit Services?

AgWest Farm Credit Services is a member of the Farm Credit System, headquartered in Spokane, Washington. Their primary territory covers the states of Montana, Wyoming, and Utah. While they may extend services to selected counties in neighboring states, their main focus is on these three states. AgWest FCS also coordinates efforts with several Western associations, including Farm Credit Services of Colusa-Glenn, ACA, to offer residential loan services. We recommend AgWest Farm Credit Services as a provider of the Country Home Loan program.

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