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.

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, valuing both acreage and improvements.

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



  • 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


Use our loan calculator to estimate payments and possibilities.

Calculate Payments


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

Locate One Today

*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.