The Benefits of Working with Us

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We offer just one closing for construction-to-permanent financing.

Unlike other lenders, your interest rate for home construction will be fixed at loan closing and remain fixed through both the construction phase and the entire life of your loan - saving you time and money.

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Build your home now or in the future.

Our lot loans give you the flexibility to purchase land now and build at some point in the future, when it's right for you.

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Our rural expertise means less hassle, fewer headaches.

We specialize in financing country homes, farms and land, which means we work with their unique requirements every day. Our experienced mortgage specialists will guide you through the process.

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We provide personal service.

Whether you choose to call, email or stop by, we offer local, personal service from application through mortgage payoff.

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We have flexible general contractor requirements.

While a general contractor is required for most home construction projects, we can work with certain situations where one is not involved.

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    Loan Process

    When you call Country Living, you talk with a live, local person. We are available to assist you from start to finish.
  • Contact us to learn about our competitive interest rates.

    Just like each farm and rural property is unique, so are interest rates.

    Please locate a mortgage specialist to start a conversation about interest rates specific to your situation.

Mortgage Calculator

Calculate your monthly payment for fixed rate loans.

Frequently Asked Questions

Can you finance bare land?

Yes! While other lenders shy away, our program, lot & land loans, is designed specifically for land financing allowing you to purchase land with no acreage limits and the option to build on in the future.

How do you value land?

We consider every acre of land when looking at appraised value. Land valuation varies based on many factors including location, soil types and sales comparisons.

How long does the process take?

Every loan is different just like every property. The process varies based on multiple factors but we strive to close between 30 and 45 days. If for any reason this will not be attainable, the mortgage specialist will contact you immediately to explain why.

What are some documents you typically collect?

W2 Wage Earner
  • Two most recent years of W2s
  • One month of most recent paystubs
  • Two months of most recent bank statements
  • We may require additional documentation based on your situation
Self-Employed
  • Two most recent years of W2s
  • YTD Profit and Loss
  • Two months of most recent bank statements
  • We may require additional documentation based on your situation

What makes Country Living different?

Country Living was designed to serve rural America. Country Living can offer financing for farms, homes and land with a streamlined process and competitive interest rates. The biggest item we pride ourselves on is our customer service and knowledge of rural properties. We are a local lender that works with customers to get them what they need and communicate every step of the way.

How do you determine interest rates?

Interest rates fluctuate daily based on a variety of market factors. Country Living has no influence over these but will do our best to secure the right interest rate for you.

Do you sell your loans?

Country Living offers various programs and the majority of loans are not sold and are locally serviced so you never have to wonder where to make your payment or who to call.

Is there a prepayment penalty for your loans?

Most of our loan programs do not have a prepayment penalty. If this is a concern for you, be sure to ask your mortgage specialist if it applies.

What do you require for a down payment?

Down payment and loan-to-value ratios are determined based on a number of factors. Loan program, product, property type and usage are all factors that affect down payment requirements. Please call your local mortgage specialist to learn more.

Can I use gift funds for down payment?

Yes! If this is what you plan to use, please disclose to your mortgage specialist and be prepared for questions and conditions regarding the gift.

When can I lock in my interest rate?

We typically lock in your interest rate after conditional approval and when we have reasonable certainty the loan will close. If you lock in your interest rate and the loan does not close within the timeframe, you will be subject to extension or breakage fees.

Do I need my own attorney?

Farm Credit East does not require you to have your own attorney to obtain financing. However, it may be typical for your area, or in your best interest, to get an attorney, especially in purchase transactions.
  • Country Living Loans

    Other Country Living Loans

    When you want to live in the country, talk to a lender who is already there.
    Farm & Home Loans

    Farm & Home Loans
     

    Whether buying a home in the country or that farm you’ve dreamed of, our rural financing expertise will streamline the process.

    Home Construction Loans

    Home Construction Loans
     

    Discover our home construction financing flexibility. We offer one closing with one fixed rate from start to finish.

    Farm & Home Refinance

    Farm & Home Refinance
     

    We offer competitive fixed rates and terms for refinancing your country home or farm.

    Land & Lot Loans

    Land & Lot Loans
     

    We can finance any size rural property or farm without a home. We feature unique options to meet your needs.

What Our Customers Say


We really enjoyed the experience of applying for the loan and that says a lot because it is a challenging adventure to gather the materials, etc. However, the staff, especially Heather, was fabulous. The closing felt more like friends chatting than a loan closing.

Ted Black was excellent throughout the process. He was very responsive, knowledgeable and exceeded expectations throughout. We appreciate the no-nonsense, streamlined approach that Country Living offers.

I would like to note the attentiveness to our case by Donna Phelan and her mortgage assistant. Both delivered very professional, yet personalized service! Very much appreciated!