Homesite Loans
Your home is where you hang your hat and where a lifetime of memories is made. Dreaming of building your ideal home but need the perfect piece of land first? Capital Farm Credit’s homesite loans are designed to help you secure land now and build at your own pace. Unlike traditional home loans, these loans focus on financing the lot itself, giving you the flexibility to plan and construct your home when the time is right.
With options to finance land improvements — such as barns, sheds, water wells and septic systems — our homesite loans provide a solid foundation for your future home. Whether you’re looking for a ranch in the countryside or a quiet lot to call your own, we’re here to help make your vision a reality.
Why Partner With Capital Farm Credit for Your Homesite Loan?
Rural Land Expertise
Our Home Loan Specialists understand the unique opportunities and challenges of buying homesites in rural Texas.
Flexible Loan Options
Choose from competitive fixed- and adjustable-rate loans designed to meet your financial needs.
Tailored Lending Solutions
We’ll work with you to finance the land that fits your lifestyle, goals and vision.
Terms Up to 25 Years
Select repayment terms of up to 25 years to align with your long-term financial plan.
Fixed-Rate Stability
Enjoy predictable monthly payments with fixed-rate loans — no adjustments or balloon payments.
Adjustable-Rate Flexibility
Take advantage of lower initial rates with adjustable-rate options for added financial flexibility.
Low Down Payment
Get started with a minimum down payment of just 15%, keeping more of your capital available for other priorities.
Homesite Property Requirements
Location
The property must be located outside of city limits or within a city or town with a population of 2,500 or less.
Intent To Build
Borrowers must acknowledge their intent to build a primary residence on the land in the future. There is no required time frame for when construction must begin.
Subdivision Requirements
If the property is within a subdivision, roads and utilities must be in place prior to the appraisal and closing.
Existing Improvements
Improvements such as barns, sheds and similar structures are acceptable; however, no dwelling can be present on the property.
Ready 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
The loan amount depends on several factors, including the property value, credit history and financial qualifications. Our team will work with you to determine the best financing option based on your specific needs.
Our loan process is designed to be efficient and transparent. Once you’ve submitted your completed application and supporting documents, most applicants receive a decision within a few business days. Processing times may vary depending on the complexity of the loan.
Loan approvals typically remain valid for a set period, allowing you time to finalize your purchase. Your loan officer will provide specific details based on your loan type and terms.
Yes, you can refinance your current homesite loan by reaching out to a Home Loan Specialist near you.
If you already have your homesite, apply for a construction loan with Capital Farm Credit.
Our dedicated Home Loan Specialists are here to guide you every step of the way, helping you find, finance and build your dream home or ranch with confidence.
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