The Benefits of Working with Us


Country properties, including farms, bare land, timberland, home lots and more, are our specialty.

Features like large lot size and farm structures, even unconventional water sources, are no problem for us. We also finance multiple parcels and properties with more than one deed or several tax parcels.


We don't have acreage limits.

We can finance any sized lot or parcel, and every acre is fully appraised so you get to use the full value for your real estate.


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.


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, where it's right for you. If you are ready to build your country home now, see our home construction loans.


Our rural expertise means less hassle, fewer headaches.

We understand the unique financing requirements of country homes, farms and land. 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

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
  • 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.
    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

Very prompt and open communication throughout, getting a loan done on a short timeline.

Local bank referred me to you given the amount of land involved in the project. I want to mention Wesley Kujawa - he was a true professional from start to finish. His friendly demeanor and true understanding of the word "collaboration" made this an excellent experience. You are lucky to have him on your team.

Everything was professionally handled. Sandy provided easy to follow, step- by- step instructions regarding the documents needed. The entire experience was painless.