Home Loans
Whether you’re a first-time homebuyer or a seasoned property owner in Texas, Capital Farm Credit offers tailored financing solutions for rural homes, ranches, rural construction and homesites, as well as traditional mortgages for properties inside city limits.
Our Home Loan Specialists provide expert guidance to help you navigate the home loan process with confidence.
Whether you’re looking to settle into a charming rural neighborhood or build your dream ranch in a peaceful setting, we’re here to turn your vision into reality.
Home Lending Products
Home Purchase Loans
Buy your dream home with confidence.
We offer flexible home loan options tailored to your needs.
Rural Homesite Loans
Finance your perfect place to build.
Our homesite loans are made for rural spaces and future homes.
Construction Loans
Support at every stage of your build.
From foundation to finish, our loans help bring your plans to life.
Land Loans
Own a piece of Texas.
Whether it’s for recreation, investment, or building, we make land financing easy.
Refinancing
Explore refinancing options.
Contact your local CFC office to see how you could lower your payments or access equity.
Home Equity / Cash Out Loans
Put your equity to work.
Access cash using the value in your land or home for improvements or other needs.
Second Home & Investment Property Loans
Expand your real estate goals.
Contact your local CFC office for financing options on second homes or rentals.
USDA Loans
Government-backed loan options built for you.
Connect with your local CFC office to explore USDA loan options.
Traditional Mortgages (Inside City Limits)
We finance homes in town too.
We offer conventional home loans throughout the U.S. — reach out to your local CFC office to learn more.
Why Partner With Capital Farm Credit for Your Home Loan?
- Our Home Loan Specialists are experts in the Texas market.
- We make home financing simple with flexible options tailored to your needs.
- Whether you’re buying, building or refinancing, our expert team ensures a smooth process.
- We offer flexible terms with both fixed and adjustable-rate options to fit your budget.
- Low down payment options are available to make affordable homeownership possible.
- Choose your own builder for full design control of your home or ranch.
- There are no acreage restrictions, so you can finance everything from small homesites to large ranch properties.
- You can retain your agricultural tax valuation, preserving valuable ag tax benefits when financing your property.
- Our one-of-a-kind interest rate conversion program lets you adjust your rate without the typical high costs of refinancing. Not all home loans qualify—talk to a Relationship Manager for details.
- We offer unique home loans, providing financing for metal homes, barndominiums and more.
- Traditional mortgages are available for homes located within city limits.
Member Stories
Recommended by Texans like you.
“I’m Wes Mangan and I live on a piece of property with my wife and two boys. I work in oil and gas and I travel a lot. And so when I come home, it’s like my sanctuary. It’s the first land I’d ever purchased. Dealing with Capital Farm Credit was super easy for us through the whole process.”
Wes Mangan
Member Stories
Recommended by Texans like you.
“I’m Mark Lehmberg. I grew up farming and ranching on the South Bank of the Atlanta River. When I got out of college, I went to work and had the corporate lifestyle for a while, but it’s just something about the roots here that pulls you back. When we moved back in 1980, we secured a long-term loan for the purchase of this land. It’s important to know who I’m doing business with. Capital Farm Credit, they take care of your needs and your dreams and your goals like to say are all in it together.”
Mark LehmbergReady To Get Started?
Applying for a Capital Farm Credit loan is easy and secure. Start by filling out the form at the link below—we’ll use your information to match you with the right loan application for your needs.
Need help getting started? Contact your Homesite Loan Specialist, who will guide you through the application process and answer any questions you may have.
Loan Payment Calculator
Estimate your monthly loan payment.
Our Loan Calculator helps you estimate payments and understand the total cost of borrowing, so you can see how financing fits into your operation’s budget. Simply enter key details like loan amount, interest rate, term length, payment frequency and amortization type to get started.
View Loan Calculator
Frequently Asked Questions
Our home loans are available to individuals looking to purchase, build or refinance a home or ranch in rural areas or small communities. We provide financing for primary residences, second homes and unique rural properties, with flexible options to meet your needs. We also offer traditional mortgage loans throughout the U.S.
We offer a variety of financing solutions, including:
- Home loans: for purchasing or refinancing primary residences or ranches
- Construction loans: for building a new home, barndominium or metal home
- Acreage and homesite loans: for buying land to build on later
- Second home and vacation property loans
- Investment properties
- Mobile and manufactured homes
- Traditional mortgages for homes inside city limits
Down payment requirements vary based on loan type and credit qualifications. In many cases, we offer low down payment options, making it easier to purchase or build your home. Contact a Home Loan Specialist for specific details on your financing options.
We provide financing solutions for second homes, vacation properties and recreational land purchases. Whether you’re looking for a weekend getaway, hunting cabin or investment property, we can provide customized financing.
Yes, we offer refinancing options for homeowners looking to lower their interest rate, change loan terms or access home equity. Our refinancing solutions are designed to help you save money and maximize financial flexibility.
Yes, Capital Farm Credit offers pre-approval when you complete a home loan application. Getting pre-approved helps you understand your budget, strengthens your offer when buying, and gives you confidence as you search for the right property.
Our dedicated Home Loan Specialists are here to guide you every step of the way, helping you find, finance and move into your dream home or ranch with confidence.
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