Home Loans

Making your home in the country

At Farm Credit Mid-America, we understand rural financing. That’s why we offer loans for rural homes, rural home sites and construction that are tailored to meet your individual needs. Learn more about our eligibility requirements, or call one of our offices to discuss your eligibility at 1-800-444-FARM.

Learn More About Eligibility

Eligible customers must meet at least one of these criteria:

  • Have at least 5 acres 
  • Live in a town with a population of 2,500 or less, or outside city limits
  • Have the intent to farm*
  • Have at least $500 in gross farm income (GFI)

Home financing programs for farmers offer additional flexibility and allow us to offer loans regardless of where the home is located. That includes personal residences, vacation homes and rental homes.

To learn more about eligibility, call your local office today.

*Property is assessed to determine whether it is viable agricultural land.

Rural Home Loans

Choose from financing options exclusively designed for people who live or want to live a rural lifestyle.

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Construction Loans

Go from construction to permanent financing with one simple loan package.

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Land Loans

Purchase the lot you want and select the financing option that makes the most sense for you.

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Home Refinancing

Refinance your existing home loan through Farm Credit, Once you are a customer, you can continue to refinance your loan when the opportunity arises.

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Farm Credit Mid-America serves the states of Indiana, Ohio, Kentucky and Tennessee.

Kentucky (excludes Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall and McCracken counties);
Ohio (excludes Lucas, Wood, Hancock, Ottawa, Sandusky, Seneca, Crawford, Wyandot and Marion counties).

**Assumes applicant is in good credit standing.