Purchase your home or property in the country with High Plains Farm Credit and Rural 1st® as your partners. We offer options for purchase loans, lot and land loans, construction loans, and barndominium loans, as well as home equity loans and refinance options. No matter what, you’ll find competitive rates, low down payments, and experts that understand rural life.

Rural Lending for Country Living

Partner With the Experts in Rural Home Loans

Purchasing a home on acreage? Buying land to build a barndominium? Making improvements to your current property? High Plains Farm Credit and Rural 1st® come equipped with unique options for rural home loans!

Our ag lending experts are proud to partner with the leader in rural home loans to offer options tailored to your specific needs. Whether you need a country home loan to remodel or to purchase an existing house, a land loan to buy acreage, or a construction loan to build from scratch, we’re here to help you every step of the way.

Scenic view of a rural home, barn, and farmland illustrating rural home loans for agricultural properties.

Rural Home Loan Options…

Purchase Loans

Financing the purchase of your rural home with HPFC and Rural 1st® gives you access to a team of rural lending experts and smarter loan options, including:

  • Fixed and variable rates for your unique lending journey 

  • Prequalification valid for 90 days

  • Low down payments and no private mortgage insurance (PMI)

  • Access to the rate Conversion Program

Lot and Land Loans

Whether or not you're planning to build, partnering with HPFC and Rural 1st® offers the unique benefit of fully fixed–rate options on financing your lot. 

And if you do decide to build, you'll have the option to roll your existing lot loan into a construction loan. Rural 1st® even acknowledges the equity of your land, its outbuildings, and other site improvements towards the down payment on your construction loan. 

Construction Loans

Building your dream home in the country can seem like a daunting task. But with HPFC and Rural 1st®, the process is much simpler. 

From the time you purchase your land, the Rural 1st® team has your interest in mind. Unlike other lenders, they offer options for fixed–rate construction loans while also acknowledging the equity in your land, its outbuildings, and other improvements. 

 You'll also enjoy the freedom to choose your own builder, as long as they meet the requirements to ensure a smooth build. Once you've made the choice, you can monitor the entire project through a digital tool connecting you, your contractor, and your Rural 1st® team. 

And when it comes time to close, you'll only pay once. Go from construction to permanent financing with one simple loan package, no refinancing required when the project is complete. 

Barndominium Loans

Rural 1st® finances most barndominium builds like traditional construction loans, allowing you to put less down. Plus, you'll enjoy all the same benefits as you do when financing your traditional rural construction project. 

Home Equity Loans

Put the equity in your property to work in a way that fits your budget. Rural 1st® home equity loans offer a fixed interest rate and flexible loan terms up to 10 years. No matter what terms you set, you'll be empowered to: 

  • Purchase an adjacent land parcel

  • Make improvements to your property

  • Build a barn or outbuilding on your property

  • Remodel a portion of your home

Refinance Loans

Whether you're looking to secure monthly savings or to reduce interest payments, HPFC and Rural 1st® make refinancing your loan simple. 

The team offers options for refinancing a fixed rate annually through the Conversion Program. You also have access to options that maximize flexibility to grow equity or reduce monthly payments by adjusting your loan term. 

…That Come With Big Benefits

Flexible Terms

Rural 1st® offers a variety of fixed-, adjustable-, and variable-rate products and loan terms to fit your specific needs.

Competitive Rates

Your team will help you lock in a competitive rate for your loan. Even as you enjoy the stability of a fixed–rate loan, you can also capitalize on lower rates through the Rural 1st® Conversion Program. 

Rural Expertise

As a cooperative lender, Rural 1st® partners with HPFC to expand support for rural communities. With loan officers who live near you, HPFC and the Rural 1st® team know the area and can provide you with the best possible lending solutions. 

Why Choose HPFC for Rural Home Loans?

At High Plains Farm Credit, we specialize in rural lending that supports your country living goals. Our partnership with Rural 1st® means you get: 

  • Local Expertise: Our loan officers live in the rural communities we serve. 

  • Flexible Options: From ag construction loans to refinance loans, we offer loan solutions tailored to your land and lifestyle.

  • Trusted Lending: Backed by Rural 1st®, enjoy competitive rates, low down payments, and a simplified process.

  • Ongoing Education: We offer access to ag training and resources to help you make informed financial decisions.

Scenic view of grain silos and a rural farm on a dirt road illustrating country home loans and rural lifestyle.

Make Your Country Living Dream a Reality

The Process Starts Here:

Contact our rural home loan experts today! They’ll connect you with our Rural 1st® partners as you explore the best options for your situation.

  1. Contact the HPFC team!
  2. Connect with our Rural 1st® partners.
  3. Explore customized options.
  4. Experience rural living your way.