Financing solutions for rural homebuyers.

RuraLiving® is the premiere financing solution for non-conforming properties that aren’t eligible for traditional mortgages. Some of the key features include:

  • Long-term financing options for a niche market in rural areas
  • Competitive 30- and 15-year products
  • Fee income opportunities for lenders

With help from Agri-Access and RuraLiving® Home Mortgages, you can accommodate rural home financing, reinforce valuable client relationships and build a dependable revenue stream.

RuraLiving® Home Mortgage Program Highlights

  • Created specifically to solve the challenges of financing non-conventional properties
  • A single note and mortgage for the entire acreage and home
  • Unique opportunity to lock in long-term financing and a fixed rate
  • Competitive pricing structure
  • A dedicated and experienced team guiding borrowers through a simple and convenient process

Eligible Properties

  • Owner occupied primary residence
  • Home and property in good condition with no deferred maintenance or incomplete construction
  • Properties generally range from 5 – 160 acres
  • Properties must have a reasonable capability of generating $500 of annual agricultural income
  • The borrower’s primary business/vocation is typically something other than farming
  • Home value should comprise approximately 30% of the overall property value

Ineligible Properties

  • Full-time farming operation or a property with a large number of livestock
  • Second homes
  • Townhome, duplex or planned unit development
  • Manufactured homes
  • Mobile homes
  • Leaseholds
  • Unique homes (shed, dome, berm, cabins)
  • Investment properties

For credit guidelines and more information, contact us today or call 888.888.8220 to speak with an Agri-Access team member.


Existing RuraLiving Mortgage Borrowers

Register/Login for RuraLiving Online Banking and obtain Payment and Customer Service Contact Information.