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Loan Products

Farm Scene

Why do you need a specialized lender?

Financing for a home or farm in the country is different than getting a residential loan in the city. That's where experienced professionals at Farm Credit can help. We understand the unique requirements of country living and are committed to providing you the best financing options available. Our programs are designed for folks that live and work in rural areas or smaller communities. With over 90 years of experience lending to farmers and rural residents, we are The Experts in Rural Finance.

Farm Credit Advantages

  • Experienced loan officers - all of our loan officers are experienced with agriculture, rural properties, and living in the country.
  • We can come to you - we have an office near you and we'll even come to your home, farm, or office.
  • Locally operated - we're a small organization where most lending decisions are made locally.
  • Community involvement - our employees are your neighbors and are actively involved in their communities and civic organizations.
  • Our patronage refund program "puts our profits in your pockets."
  • Loan terms and rates tailored to YOUR needs
  • No minimum acreage requirements
  • Loan programs can be matched to construction timelines
  • Quick loan approval with a minimum of paperwork

Home Mortgages

Looking for a home in the country? We specialize in rural lending and can provide the financing that you need for:

  • Home Purchases
  • Home Construction
  • Renovations and Improvements
  • Estates and Farms
  • Barns, Stables and Buildings

We have been financing rural America for over 90 years. We have the experience and expertise to provide quick, customized, financing for your dreams. One of the biggest benefits of doing business with a cooperative like Farm Credit is that we operate very efficiently. This means very low fees. Compare our closing costs anywhere and you will be amazed at how we can make the same mortgage loan for so much less money upfront.

Land Loans

Whether you are buying 1 acre to build a house or 1,000 acres to farm, Colonial Farm Credit is your first choice for land financing. We have been providing financing and expertise on land purchases for over 90 years. We can handle the unusual situations that arise with land purchases and usually close your loan with lower fees than conventional lenders.

  • Open Land
  • Building Sites
  • Farm Land
  • Timber Tracts

Farm Financing

Financing is available for the purchase of farms, barns, and buildings and the production of agricultural products including crops, livestock, poultry, timber and horticulture. Our loan officers are very familiar with agriculture, many have agricultural backgrounds and some are even farmers themselves. Our loan products and interest rate options provide the flexibility and customization that you need in your operation.

  • Farm land
  • Farm residences and buildings
  • Construction of residences and buildings
  • Livestock confinement buildings including poultry and swine houses, dairy barns and sheds
  • Farm improvements
  • Equipment, machinery and vehicles
  • Land, lots and homesites
  • Livestock
  • Timber land
  • Operating expenses; seed, fertilizer, fuel, equipment maintenance

Equipment Financing

Loans and leases are available for many types of equipment and vehicles used on and off the farm.

  • Tractors
  • Combines
  • Wagons
  • Crop Storage Facilities
  • Horse and Livestock Trailers
  • Irrigation Equipment

Want More Information

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