Real Estate Loans

Alabama Farm Credit has a long track record of helping Alabama farm families acquire land and expand operations. Get started by completing our loan application or contact an Alabama Farm Credit loan officer at (877) 681-6087 or reach out to one of our 
Loan Application

About Our Real Estate Loans

Our cooperative offers long-term loans to purchase or refinance farmland, timberland, recreational property and other types of rural acreage. We provide construction loans to build, with a one-time closing and conversion feature. Short-term bridge loans and lines of credit are also offered.

Customization

Real Estate loan types often require a measure of creativity and customization to meet the needs of farm families. We’re accustomed to those unique needs, and have processes in place to address them.

Experience Matters

Our cooperative is armed with over 100 years of experience to meet the needs of members in North Alabama.

barn with trees

Estimate Your Loan Payment

Input your purchase price and interest rate, and quickly estimate your loan payments.

Loan Calculator

Competitive Interest Rates

To receive an interest rate quote, contact the branch office nearest you.

Get Quote
Improvement-Drone-Footage-34

Frequently Asked Questions

We’ve curated the top questions we’re asked most often. If you are unsure about our services, how a cooperative works or other details, you may find the answer you’re looking for right here.

More FAQs

Anyone owning or purchasing rural property. Those engaged in farming, timber or other ag-related businesses may also be eligible. This includes individuals, partnerships and corporations. Additionally, loans may be obtained for financing part-time farms, rural residences or recreational property.  Loan approval and terms are subject to the creditworthiness of the applicant(s) and the collateral offered.
Our association is part of the nationwide Farm Credit System and is affiliated with the Farm Credit Bank of Texas, located in Austin, Texas. The Farm Credit Bank of Texas provides funding for loans by selling bonds to investors in the nation's money markets.
Borrowers become part-owners in the association through stock purchases determined by the amount of the loan. Borrowers have the right to vote on certain co-op decisions, including the election of its board of directors. Because Alabama Farm Credit is a  cooperative, profits often are returned to  stockholders through patronage or dividends.

YOUNG BEGINNING AND SMALL FARMERS

We’ve created a pathway to ownership for young, beginning and small farmers.

At Alabama Farm Credit, we recognize that the future of American agriculture depends on a new generation of producers. Whether you’re completely new to farming, a 4-H member buying a show heifer for a foundation herd or a young person taking over the family farm, our New Generation II Loan may be what you’re looking for.

Find Out Who's Eligible

Alabama Farm Credit Out in the Field

Learn more about Alabama Farm Credit, our members and the work we do for Agriculture in our communities.

Field Notes

four boots