Home Loans

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Land Loans

Thinking about purchasing land in the country for recreational purposes such as hunting or fishing, or to build your dream home? Farm Credit Mid-America understands the features that make rural properties unique from those in the city. We can help you determine which of our affordable land loan options will work best for you.

With Farm Credit:
  • Must have the intent to build within 5 years. In most cases, you can finance the land for up to 20 years, thereby easing repayment.
  • When you are ready to build, we can provide a construction loan that can be converted into a permanent mortgage loan for one simple loan package with no add-ons.
  • Choose from a competitively priced fixed, adjustable or convertible rate.
Loan Conversion Program
  • When interest rates or circumstances change, you can convert existing loans to a lower rate
  • Please call your local office for eligibility requirements


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

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

**Assumes applicant is in good credit standing.



Error Resolution and Information Requests:
You can send us a Notice of Error or Information Request as part of the Real Estate Settlement Procedures Act (RESPA) to ask for information or to dispute errors about the servicing of your mortgage loan. Your submission must be in writing and include the name of each borrower, the loan number and a description of the error you believe has occurred OR a request for specific information regarding your mortgage loan. Please mail it to the following address for the receipt and handling of these requests:

Farm Credit Mid-America
Attn: Loan Servicing Department
1601 UPS Drive
Louisville, KY 40223