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Country Homes

Build, Buy, or Refinance a Home in the Country with a Loan from Southern AgCredit

Southern AgCredit’s country home and homesite financing solutions are specifically designed for those who want to buy or build homes in the country or small rural communities. With attractive fixed and variable rates, terms and fees, your dream of rural living is within reach! Our team’s rural expertise helps make the process efficient and easy.

Country and Rural Home Loans

  • Attractive interest rate products
  • Flexible terms, including long-term options
  • Traditional and unique home financing
  • Rate can be locked in before closing
  • Locally serviced – our mortgage loans are retained on our own books and not sold into the secondary mortgage market
  • Home loans with terms up to 30 years

Homesite Loans

If you’ve found the perfect property for your dream home, but you’re not quite ready to build, a homesite loan from Southern AgCredit is a great, flexible first step.

  • Homesite loans with terms up to 15 years
  • Residential and agriculturally zoned properties are eligible if outside the city limits
  • Refinancing is available
  • When you’re ready to build, we can help you transition to an all-in-one construction loan

Construction Home Loans

Finance the construction of a home on your existing rural property.

Loan Calculator

Use our Loan Calculator to estimate your payments.

Loan Inquiry Form

Ready to finance the country home of your dreams? Southern AgCredit is ready to help.

Complete the form below to have a local Southern AgCredit loan officer review your information. A representative will follow up with you within 24 hours. (48 hours if submitted on a Saturday.)

  • Personal Information

  • Property Information

  • Specify the parish/county in Louisiana or Mississippi in which the land is located.
  • Specify the nearest city in Louisiana or Mississippi in which the land is located.

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