The Benefits of Working with Us


Our refinancing often has fewer requirements.

Unlike other banks, you enjoy the same competitive interest rate whether you are taking cash out against the equity in your property or simply refinancing your existing loan balance.


We offer competitive, long-term fixed rates.

We don't just finance rural properties – we also offer a variety of loan terms with fixed rates for greater flexibility.


Country homes, farms and land with unique features are our specialty.

Properties with features like additional acreage, barns, sheds and other farm buildings such as riding arenas are no problem for us. And we fully appraise these features so you get to use the full value of your real estate.


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.


We provide personal service.

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


    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

Mortgage Calculator

Calculate your monthly payment for fixed rate loans.

Frequently Asked Questions

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
  • 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.

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.

What is the difference between an appraisal and assessment?

The appraisal is a valuation (by the lender in regards to the loan) which allows a third party to value real property based on sales comparison, cost and/or income capabilities of the property. This valuation is what is used to determine the loan-to-value the lender will have on your property.

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.

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.
    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.

What Our Customers Say

After dealing with a bank whom we had been with for years and then another smaller one, and being subjected to their total lack of interest or creativity to help us, Farm Credit is a real pleasure to work with. They understand our financial goals and care about getting us to the point we need to be in. Everyone we have dealt with has been enjoyable and very professional. Other banks would do well to follow their example!

Extremely pleased with the ease of the entire process. Jason was outstanding in helping accomplish all aspects of the process with personal concern. Thank you.