Rural Real Estate Loans Alabama
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 branch offices.
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.
Estimate Your Loan Payment
Input your purchase price and interest rate, and quickly estimate your loan payments.
Competitive
Interest Rates
To receive an interest rate quote, contact the branch office nearest you.
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.
Who can borrow from Alabama Farm Credit?
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.
Where does Alabama Farm Credit obtain funds to make loans?
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.
How will an Alabama Farm Credit loan benefit me?
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.
What other loans do we provide in Alabama?
We provide Operating Loans, Improvement Loans, Barndominium Loans, Poultry Loans, and Hunting Land Loans among many other types of Loans.
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.
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.
