Rural Home Loans Alabama
Let us help you turn farmland into a farm home. Get started today by completing our farm land 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 Farm Residential Loans
Alabama Farm Credit can finance qualifying rural homes and homesites for your full-time residence or for weekend getaways. This may include lake homes, hunting cabins, country retreats or renovated farmhouses.
Commonsense Borrowing
Many of our borrowers find themselves overwhelmed by so many mortgage options and confusing information in the marketplace today. Alabama Farm Credit has more than a century of experience helping Alabama’s farming families and rural landowners make sense of each step involved in purchasing, constructing or renovating homes.
Loan Types
Our cooperative offers both fixed-rate and adjustable-rate mortgages depending on your financial goals and risk tolerance.
Estimate Your Loan Payment
Input your purchase price and interest rate, and quickly estimate your loan payments.
Competitive Farm Loan 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.
Does Alabama Farm Credit make home loans?
Yes, we make loans for the purchase, construction and improvement of homes located in rural areas. We also finance rural homesites where a home is designated for future construction.
What types of loans does Alabama Farm Credit make?
We make loans to purchase land, refinance existing mortgages and other debts, construct and repair homes and other buildings, make property improvements, construct or improve agribusiness facilities, purchase machinery and equipment, purchase livestock, finance agricultural operating expenses and other needs.
What determines the time or method of repayment?
Primarily, the nature of the loan, its purpose and the financial capacity of the customer determine repayment options. Repayments are set up to coincide with the borrower’s cash flow. They also may be paid in installments from farm operations or non-agricultural sources.
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.
