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Rural Housing Loans

Claim your corner of the countryside.

Apply Online

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We help rural borrowers afford homes of their dreams.

Rural housing loans are designed to assist borrowers outside of urban areas become homeowners. These loans offer a variety of unique and attractive features for qualifying borrowers.

Perfect for you if:

You rent in a rural area but want to own your own home.
You want to move to a rural area.

Loan Features

First-time homebuyers and previous homeowners eligible.

Loan Benefits

No down payment required.
No Private Mortgage Insurance (PMI) required.

Considerations

USDA loans have an up-front guarantee fee and annual fee. The up-front guarantee fee is equal to 1% of the loan amount and may be paid by the borrower, seller, or financed into the loan. The annual fee must be escrowed monthly and is assessed for the life of the loan.
USDA home loans also have certain property and income restrictions.
Cannot currently own another home at the time of closing.

Apply online today

Applying for a First Bank mortgage is fast, easy, and secure. Before you begin, have the following information on hand.

Financial Information

Income
Your total assets
Monthly expenses

Property Information

Estimated purchase price and down payment amount
Estimated property value and loan amount

Ready to get started?

Apply online today

Calculate your mortgage

Start Calculating

Work with a local mortgage specialist

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Find The Right Mortgage

We make it easy to finance your dream home.

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Loans are subject to credit approval.

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