Home Construction Loans

Construction Loans

At Capital Farm Credit, you can move from construction to permanent financing with one simple loan package – all with the Rural 1st® product. Refinancing is not needed once construction is complete. We allow the land you’re building on, not just the dwelling, to be used as equity for your down payment. This allows you to maximize the amount you are financing.

Lock in Your Loan with Fixed-Rate Financing

During the construction process, you have the option of locking in your loan with variable to adjustable or fixed-rate financing. *

Choose Your Builder

Choosing a contractor is your decision, so we will work with your builder.

Take Up to One Year to Complete Your Project

Many lenders require you to finish building within a six-month timeframe. At Capital Farm Credit, we allow up to a full year to complete your project—allowing time for delays that may arise such as weather or scheduling.



Capital Farm Credit offers home loans
blue bonnet field w/home


Use our loan calculator to estimate payments and possibilities.

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

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All loans subject to credit approval and eligibility. *Conversion fee of $750 applies.

**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.