Country Home Loans

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. If you’re considering buying, building or refinancing a home in the country, we now have rural financing options that may fit your needs. 

Farm Credit Services of Colusa-Glenn, ACA recently entered into an agreement with Northwest Farm Credit Services, another Farm Credit lender, to increase the range of financing options available to our customers. Through this relationship, we can now offer rural residential financing through the Country Home Loan program. 

If you’d like to discuss whether a Country Home Loan, or a traditional ag loan, is a better fit for your needs, please give us a call. There are three types of loans available through the Country Home Loan lending program.


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 Land Loans

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

If you’re ready to take the next step with Northwest FCS, or be connected with your regional Northwest FCS Relationship Manager, please get started here or call 866-552-9172.


Who is Northwest Farm Credit Services?

Northwest FCS is a fellow Farm Credit System association with headquarters located in Spokane Washington. Their territory includes Montana, Idaho, Oregon, Washington and Alaska. Northwest FCS also coordinates efforts with several Western associations, including Farm Credit Services of Colusa-Glenn, ACA, to offer residential loan services in most counties in California, Utah, Arizona and Hawaii, and in portions of Colorado, Kansas, New Mexico, Oklahoma and Wyoming. We proudly endorse Northwest FCS as a provider of the Country Home Loan program.

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Northwest Farm Credit Services, FLCA, 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.

Northwest Farm Credit Services is an Equal Housing Lender.
Northwest Farm Credit Services is an equal opportunity provider and employer.