Home Mortgages

Home Loan Products and Services

Whether you’re appraising your options, buying your first home, or building your dream home, we're here to help. We take the time to talk to you, listen to you, and match your needs with the best product. And, you don’t have to be a farmer to get your home loan through us.

We can lend money for the purchase, construction, improvement, or refinancing of a home. You may also borrow from us to purchase or refinance unimproved residential lots. We specialize in rural and large acreage properties. 

Apply for a Home Loan

  • Homes with acreage 
  • Home purchases
  • Refinancing
  • Construction and construction-to-perm (one close)
  • Second homes/investment properties
  • Remodeling/home equity lines of credit
  • Debt consolidation loans
  • Cash out for education, car, and so on
  • Home-site land purchases

Product Highlights 

  • Conventional loans up to 97%
  • In-house loans up to 85% with no PMI
  • Government loans – FHA, VA and USDA/RD up to 100%
  • Fixed rates up to 30 years – In-house or secondary mortgage market
  • No acreage limits
  • Competitive rates and fees

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%. These loans are for rural home owners, not just farmers. And the best thing – you will be eligible to share in our profits with our Patronage Refund Program.

  • Refinancing with River Valley AgCredit was truly one of the most professional and yet personal financial experiences that I have encountered yet.

    Charles R. Young
    Charles R. Young
  • Apply for a Home Loan

    Get started on the path to owning your dream home by filling out our online application. You can always save your work and come back to your application.

    Apply Today

    Run the Numbers 

    Planning for the future? Wondering what you can afford? Use our mortgage calculator to understand how different loan amounts, interest rates, and loan terms would affect your monthly and yearly payments.

    Mortgage Calculator