Rural & Agriculture Financing Center

River Valley AgCredit's real estate loans are among the most competitive you'll find and the most flexible. We offer unsurpassed expertise in financing farmland, recreational properties, large or small acreages, and homes in the country and rural communities.

Rural Home and Acreage Financing FAQ

What types of rates and terms are available for rural home financing?

We offer variable, fixed and adjustable rate loans. We also offer flexible terms, including long-term options, to meet your specific needs, whether it’s land for new home construction, an existing rural home or a new home in a rural community.

What if I'm building a new rural home?

River Valley AgCredit makes financing new home construction in rural areas simple. With us, you can purchase any size lot and use the equity to help finance the home you build. We also offer a one-time closing that saves time, closing costs and the risk of changing interest rates. Our home financing experts will be with you every step of the way from lot purchase through home construction to your final mortgage.

How long does the home loan process take?

Generally, the whole home loan process – application to closing – takes approximately 45 days. Our local country home loan experts will work with you through the entire application process to closing and beyond.

Agricultural Land Financing FAQ

What types of rates and terms are available for agricultural land financing?

We offer variable, fixed, and adjustable rate loans. We also offer ag-friendly terms, including long-term options, to help meet your specific financing needs.

What type of payment schedules do you offer for agricultural land financing?

We offer monthly, quarterly, semiannual or annual payment schedules to meet your cash flow expectations. We also offer fully or partially amortized loans.

How long does it take to process a loan application?

We offer quick decisions on loan applications. Our average credit decision turnaround time is less than 10 days, depending the complexity of the request.

What should I look for in a rural lender?

Choose a lender who is knowledgeable and experienced in financing agricultural land. An experienced rural lender can offer advice on agricultural-use tax exemptions, environmental factors and insurance sources that an urban or out-of-state lender might not. Our experienced local financing teams are highly specialized and will work with you to determine the best loan for your farm or ranch.

Do River Valley AgCredit loan officers have special qualifications?

River Valley AgCredit employees, especially loan officers, pride themselves with their agricultural knowledge and commitment to the rural community. Typically, our loan officers have extensive education and experience in production agriculture, agricultural financing, agricultural business, banking and/or mortgage lending. The majority of our staff grew up in agriculture or a rural area, and they have a genuine connection to local community in which they serve.

About River Valley AgCredit

Customer Testimonials

Hear what our customers say.

Who is River Valley AgCredit?

River Valley AgCredit, a member of the Farm Credit System, is a true cooperative providing financing for agriculture and rural living since 1916. We serve more than 5,000 members in our western Kentucky and eastern Tennessee footprint, with more than $500 million in outstanding loan volume. Our local Board of Directors, whom are farmers or agribusiness owners, ensure our mission to serve Rural America is fulfilled.

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What does River Valley AgCredit finance?

In addition to serving the credit and risk management needs of farmers and ranchers, we finance and refinance agricultural land, acreages, country homes (including new construction), and homes located in rural subdivisions or communities with populations of 2,500 or fewer residents. If you farm or ranch, you may also qualify for home financing in a larger town or city.

How can I benefit from financing with River Valley AgCredit?

Agriculture and rural financing is all we do. Along with our attractive rates, unusually flexible terms and cash-back dividends, our financial and lending officers have an unsurpassed expertise and understanding of the unique aspects of rural property financing.

What does it mean to be a member of River Valley AgCredit?

When you finance with River Valley AgCredit, you become a member or owner of the Association. That means, along with attractive rates and terms, eligible members can get cash-back dividends, a unique opportunity to share in our net earnings. In a single year, we have put more than $9.1 million dollars in the pockets of our members.

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