At Farm Credit, we offer financing options for both agricultural and home construction projects. Whether you're expanding your farming operation or building your dream home, our loans provide flexible terms, cost-saving incentives, and personalized support to make your vision a reality. Click here to learn more about our Agriculture Construction Loans and here for Home Construction Loans.
Agriculture Construction Loans to Grow Your Operation
Expanding your agricultural operation is an exciting journey, but it can come with challenges. That’s where Farm Credit can help, simplifying the financing process so you can focus on growth. From livestock barns to greenhouses, our construction loans are designed to meet the specific needs of agricultural businesses.
Flexible Construction Loans to Fit Your Needs
You know what it takes to make your operation successful, and Farm Credit is here to help you succeed. Our construction loans offer features such as:
- Flexible Rates: Choose from long-term fixed or variable rates.
- Pay Only for What You Borrow: Funds are disbursed based on project progress.
- Collaborative Solutions: Work seamlessly with multiple contractors or vendors.
- Interest-Only Payments: Reduce upfront costs during construction.
Boost Your Savings with Up to $7,500 in Credit
Construction project costs can add up quickly. For applications received by December 31, 2025, and closed by February 28, 2026, enjoy a lender credit of up to $7,500 applied toward your loan fees. *
*This credit applies to loans in which at least $200,000 of the loan funds go towards the construction of a new structure. The credit amount will be determined and distributed as a lender credit of 1% of the loan amount, up to $7,500, not to exceed loan costs. This offer is subject to credit approval.
Tailored Ag Financing Solutions
Every operation is unique, and our loans are created to meet your specific needs. Examples of structures we finance include:
- Storage: Hay storage, feed storage, farm bins, silos, temperature-controlled storage.
- Livestock: Poultry houses, hog barns, dairy barns, equine stables, loafing sheds.
- Specialty: Greenhouses, hydroponic systems, aquaculture needs, sawmills, corn cribs.
We are committed to helping you build the foundation for your agricultural success. Reach out to learn more about how we can support your vision.
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Wrong password. Try again!Home Construction Loans to Build Your Dream
Your dream home is within reach. Whether it’s a cozy fireplace or a sunlit porch, Farm Credit makes building or renovating your home easy and affordable.
Tailored Home Construction Loans
Our home construction loans are designed to support a variety of needs, including:
- Building new homes, whether stick-built, modular, or log homes.
- Significant renovations or additions to existing homes.
- Land purchases for your dream home site.
For existing homeowners, you can also leverage your property equity to fund construction projects. Our experienced loan officers will guide you through selecting the best financing option for your vision.
Key Benefits of Our Loans
- 12-Month Interest-Only Periods: Pay interest only during construction.
- One-Time Close: Lock in a fixed rate for up to 30 years with one closing.
- Flexible Property Options: Financing available for unique properties with excess acreage or additional structures.
- Cost Savings: One loan for construction and land means one interest rate and fewer settlement fees.
Save $500 on Loan Fees
For applications received by December 31, 2025, and closed by February 28, 2026, enjoy a $500 credit toward your loan fees. *
*This credit only applies to loans in which the majority of the loan funds go toward construction of a primary or second home. Total loan amount may include funds for land acquisition. Limited to one credit per construction project. This offer is subject to credit approval.
How Do Home Construction Loans Work?
Building a home is a unique experience. Here’s how our construction loans work:
- Application and Approval: Submit your application for a thorough assessment of your project’s feasibility.
- Disbursement of Funds: Funds are released in stages as construction milestones are achieved.
- Interest-Only Payments: Pay interest on the amount drawn, not the entire loan sum, during construction.
- Regular Inspections: Ensure progress aligns with the draw schedule and quality standards.
- Conversion to Permanent Mortgage: Transition to regular payments on the principal and interest once construction is complete.
Qualifying for a Home Construction Loan
To qualify for a home construction loan, consider these guidelines:
- Creditworthiness: Maintain a strong credit score.
- Down Payment: Be prepared for a substantial down payment.
- Project Plan: Provide a detailed project plan and builder information.
- Financial Stability: Demonstrate the ability to manage the financial obligations of the loan.
At Farm Credit, we understand that every construction project is unique. Our team is here to provide personalized guidance to make your dream home a reality. Reach out today to start your journey.
Ready to get started?
Get the financing you need at a pace that works for you. Reach out to one of our Farm Credit experts today by filling out the form or calling us at 888.339.3334.