Your Land. Your Home. Your Way.
Rural land financing from Alabama Farm Credit.
Maybe it is five acres and a barndo. Maybe it is ten acres, a shop, and enough room for the kids to run around. Whatever you are building toward, Alabama Farm Credit knows rural land and the projects that come with it.
Tell Us What You're Planning.
Fill out the form.
A local lender will be in touch from there.
We’ll be in touch within 24 hours.
Alabama Farm Credit is a member-owned cooperative lender serving rural Alabama. Loans subject to credit approval.
No Farm Needed
You do not have to grow crops or raise cattle. AFC finances qualifying rural property for people who want land to live on, build on, and make their own.
We Know Rural Construction
Barndominiums, shops, homes, barns, and nontraditional rural projects are familiar territory for AFC.
Local Rural Lending Experts
AFC is not a national bank. We are in Alabama, we keep our loans in house, and our team understands the land and the projects being built on it.
What Could You Build on Your Piece of Alabama?
The land comes first. What you build on it is up to you. Alabama Farm Credit finances qualifying rural property and construction for goals like these.
A future homesite
Buy the land now and build when the timing is right.
A barndominium
Finance qualifying land and construction for the home you actually want to build.
A home with a shop
Room to live, work, store equipment, or finally have the workspace you have been planning.
A barn or agricultural structure
Financing options for qualifying barns and other rural improvements.
A hobby farm
A few acres, a garden, a few animals, and room to make it yours.
Rural acreage
Land for a home, recreation, future plans, or simply more space.
Property improvements
Financing options for qualifying improvements to land you already own.
Refinancing rural property
Already own rural land or a rural home? AFC may have options for you too.
Building Rural for the First Time?
You Don't Have to Figure It Out Alone.
Buying land and building on it is different from purchasing an existing home. The property, the builder, the plans, the appraisal, and the construction process all play a role. AFC works with rural property and construction every day, so you can start with a lender who already understands what you are trying to build.
You Bring the plan. We'll Help you understand the financing.
Do I Have to be a farmer?
No. You do not need crops, cattle, or farm income. AFC finances qualifying rural residences, homesites, barndominiums, hobby farms, and other rural property.
How much land do I need?
You do not need 100 acres. AFC land loans can start with as little as two acres, subject to loan and property eligibility.
What will I need to put down?
Every situation is different. AFC's current guidance is that land purchases typically require 20% down, with a minimum of 15% plus closing costs. Talk with our team about your property, construction plans, and financing options.
Found the Land? Make Sure It Works for What You Want to Build.
Before you buy, make sure you understand:
- Property boundaries
- Road access
- Utilities
- Septic & perc requirements
- Zoning
- Site conditions
- Builder requirements
Rural construction comes with different considerations than buying an existing home.
AFC works with these projects every day and knows the questions worth asking early.
Getting Started Is Simple.
Tell us what you're looking for.
Share some basic information about yourself, the property, the purchase price, and what you want to build.
Talk with a local AFC loan specialist.
A team member will learn more about your plans and walk through the financing options that may fit your project.
Know Your Next Step.
If you are ready to move forward, your loan officer will explain the application, the information needed, and what comes next.
Clear answers from people who understand rural land and construction.
Build the life you actually want.
More room for the kids, a shop big enough for the projects you keep putting off, or a home designed around how you live instead of how a subdivision was planned. It starts with the right piece of land, and Alabama Farm Credit can help you finance what comes next.
Why Alabama Farm Credit?
Rural property expertise
We understand land, construction, and the kinds of projects that do not always fit a traditional home-loan box.
Serving Rural Alabama since 1916
110 years of helping people buy land, build homes, and put down roots.
Construction Experience
Barndominiums, homes, barns, shops, and other rural structures are part of what we do.
Member-owned Cooperative
Borrowers here become members. Your loan stays in house.
Real people who understand rural property and what it takes to build on it.
Questions People Ask Us First.
Do I have to be a farmer to get a land loan?
No. AFC finances rural property for part-time farms, rural residences, and recreational purposes. You don't need a farming operation or farm income to qualify.
What kinds of property can Alabama Farm Credit finance?
Homesites, hunting and recreational tracts, cabins and country retreats, farms and hobby farms, timberland and rural acreage, improvements, construction, and refinancing of qualifying rural property.
How many acres do I need to purchase?
AFC land loans can start with as little as two acres, subject to loan and property eligibility.
How much of a down payment will I need?
Land purchases typically require 20% down, with a minimum of 15% plus closing costs. Your loan officer can go over what applies to your situation.
Can I buy land now and build a home later?
Yes. Many people finance a homesite first and build when they're ready. AFC also offers construction financing for homes, barns, and other rural structures.
Can I finance hunting or recreational property?
Yes. Hunting and recreational land is a significant part of what we finance across Alabama.
Can I finance improvements, barns, or other structures?
Yes. AFC offers financing options for qualifying property improvements and rural construction.
What determines my interest rate?
Rates aren't one size fits all. Your loan amount, credit, the property, and how you intend to use it can all affect your financing. AFC offers fixed-rate options along with short- and long-term terms, and a loan officer can walk you through what's available for your situation.
What happens after I submit this form?
A local AFC team member will reach out within 24 hours to learn more about your plans and talk through your options. Nothing is decided on the form.
Ready to Put Your Plans on the Ground?
Fill out the form Below.
A local Team takes it from there.
We’ll be in touch within 24 hours.
Alabama Farm Credit is a member-owned cooperative lender serving rural Alabama. Loans subject to credit approval.
