• Country Living Loans

    Other Country Living Loans

    When you want to live in the country, talk to a lender who is already there.
    Country Living offers loans for rural life in the Northeast U.S.
    Farm & Home Loans

    Northeast 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

    Rural Home Construction Loans


    Discover our home construction financing flexibility. We offer a single-closing construction to permanent loan product.

    Farm & Home Refinance

    Farm & Home Refinance


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

    Land & Lot Loans

    Northeast Land & Lot Loans


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


    Loan Process

    When you call Country Living, you talk with a live person based right here in the Northeast. 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.

    We finance country homes, farms and land in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont, New York and New Jersey. If you are financing a rural property outside this geography, use the Farm Credit Association Locator to contact your local office

  • The Advantages of Working with Us

    ico-farm ico-farm-inverse Rural expertise
    We finance Northeast country homes and farms with unique features.

    Country properties with features such as additional acreage, barns, sheds and other farm buildings like riding arenas are our specialty.

    Our rural expertise means less hassle, fewer headaches.

    We work with the unique requirements of country homes, farms and land every day. Our experienced mortgage specialists will guide you through the process.

    ico-flexible ico-flexible-inverse Financing flexibility
    We offer long-term fixed rates.

    Along with competitive rates, we offer longer terms with greater flexibility on Northeast rural properties that include additional land, farm structures and more.

    For new home construction, we have 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.

    ico-local ico-local-inverse Locally serviced
    We provide local service for the life of the loan.

    We don't sell our loans to the secondary market, which means you will work with the same mortgage team from application through loan payoff.

    We appraise the full value of your property.

    Features like additional land, barns and other farm buildings such as riding arenas are fully appraised so you get to use the full value of your real estate.

What Our Customers Say

Farm Credit was the ONLY bank that was willing to help me get a mortgage. The other three I went to had no desire to try to find a way to help me. Michael Johel and Jill Parker did not give up on helping me, even though it was not easy!

I absolutely could not be more pleased with the staff and services of Farm Credit. They were extremely helpful and knowledgeable, friendly, always courteous and pleasant, and very prompt to respond to whatever was necessary to keep the process moving along. I was very impressed with Farm Credit and their staff and I am very pleased to be doing business with your organization. Thank you for all your assistance.

Jason Hart was by far the most professional, knowledgeable and easy to work with mortgage rep I have ever had the pleasure of doing business with! We could not be happier with our buying experience and will be quick to recommend Jason and Farm Credit.