Home Loans

Our Home Lending Products Make it Easy

Capital Farm Credit is more than just a farm and ranch lender. We have home loan specialists located throughout our territory, offering expertise in financing your home in the country.

Powered by Rural 1st®, our home lending products make purchasing, building, or refinancing your home easy. We offer a variety of fixed- or adjustable-rate options.

We have partnered with Rural 1st, who is a leader in rural lending, to make the process simple for you. And our team is well-versed in rural living and lending because they’ve been doing it for more than 100 years, so you can count on us to help you through the entire process.

Finance or Refinance Any Type of Home Loan

We can lend on homes and home construction in rural areas.* And we value both the acreage and improvements, like the home and barns on the property.

Choose the Down Payment Option That Fits

Many lenders require a large down payment to avoid personal mortgage insurance (PMI). Working with Capital Farm Credit and Rural 1st, you can put down less with no PMI.**

We offer:

  • Flexible rates and terms
  • Purchase loans
  • Construction loans
  • Refinance loans
  • Second-home loans
  • FHA loans/VA loans
  • Financing inside or outside city limits
  • Home Equity/Cash Out Loans - Secondary Market only

 

Advantages:

  • No acreage restrictions
  • Competitive rates
  • Reasonable fees
  • Retain Ag Tax Valuation
  • Financing for metal homes
Capital Farm Credit offers home loans
blue bonnet field w/home

LOAN CALCULATOR

Use our loan calculator to estimate payments and possibilities.

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MORTGAGE LOAN OFFICER

We have home lending specialists across Texas. Find one near you.

Locate One Today
Capital Farm Credit, ACA (#493828) is in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). Part of our compliance activities includes registering Mortgage Loan Originators (MLO) with the National Mortgage Loan System's registry (Registry).  NOTICE TO APPLICANTS FOR RESIDENTIAL LOANS.  *Provided that eligibility requirements are met. All loans are subject to credit approval and eligibility. **A $200,000 loan would require a 15% down payment with a monthly principal and interest payment of $1192.68 for 360 months based on 6.16% annual percentage rate (APR). Assumes $4,500 in closing costs.  Monthly payments do not include amounts for taxes and insurance premiums so the actual monthly payment will be greater if an escrow account is established. Available rates and terms including the APR are subject to change without notice. The APR is based on the best available interest rate as of 05/02/2022.  Rural 1st is a tradename and Rural 1st is an exclusive trademark of Farm Credit Mid-America, NMLS 407249. Rural 1st products are available to consumers within the territories of participating Farm Credit System Associations. Equal Housing Lender.