Rural Property Specialists
We excel at loans with no acreage limitations, making us an ideal lender for country homes, land-rich properties, and homes outside city limits.
Home Loans
Home Loan Options Built for Rural Living
Buying, building, refinancing, or finding land for a future home? We can help match the loan to the property and the plan.
- Home purchases
- Homes with acreage and rural residential properties
- Refinancing
- Construction and construction-to-permanent loans
- Second homes or investment properties
- Remodeling and home-equity lines of credit
- Residential lot purchases, improved or unimproved
From small parcels to large tracts of land, we understand rural values, land use, and the lending needs of country properties.
Flexible Loan Options
Whether you are building, buying, or refinancing, our products are designed to fit rural homebuyers in Kentucky and Tennessee.
Local Guidance
Local lenders. Local decisions. Local support from people who understand rural homes, acreage, and the pace of real estate decisions.
Lot Loans for Future Home Sites
Financing for land outside city limits where you plan to plant roots and build your dream home.
- Low down payment
- Competitive rates
- Fixed rates up to 20 years
- Free note modifications
- Approval under $500,000 within minutes
- Escrow note required
Simple process: application, ID, W2, and paystub.
More Ways to Finance a Home
River Valley AgCredit partners with outside agencies, Towne, and Renaissance to provide financing options that fit different borrower needs.
FHA - Federal Housing Authority
- 96.5% financing
- PMI is required for life of loan
- First-time home buyer options
USDA-RD - United States Department of Agriculture and Rural Development
- 100% financing
- PMI for life of loan
- Income and property eligibility requirements
VA - Veteran Affairs
- 100% financing
- No PMI
- Funding fee depends on certificate of eligibility.
Conventional Loans Up to 97%
River Valley AgCredit partners with Towne and Renaissance to provide financing for up to 97% loan to value.
- Low down payment, with income restrictions
- PMI can be removed at 80% LTV at borrower request
- Escrow required
Jumbo financing is available for loans above $832,750.
How a Fully Disbursed Construction Loan Works
A construction loan can help move your project from plans to finished home with local guidance along the way.
- In-house financing up to 85%
- No PMI required
- Choose your term up to 30 years
- Local support through the construction process
We will help you understand what documentation is needed, how the process works, and how to keep the build moving with clear communication.
Fixed Rates Up to 30 Years
Available through our in‑house programs or the secondary mortgage market.
No Acreage Limits
Ideal for rural homes, mini‑farms, and large‑lot properties.
Home Equity Line of Credit
A River Valley AgCredit home equity line of credit is a fast and convenient way to access the equity in your home. This credit line is set up on a 10 year term with monthly principal and interest payments indexed to the prime rate, with a maximum loan to value of 85% and a maximum loan amount of $100,000.
These loans are for rural homeowners, not just farmers.
Member Spotlight
"Chris Griffin was a great communicator, keeping me informed at every step. He was able to lower my rate during the loan process. I highly recommend him and River Valley AgCredit for anyone purchasing property or a home."
Bobbye Gray
Home Loan Customer