It’s all about you, and your commitment to living in the country. We appreciate the unique qualities of rural American living. We offer a program that provides long-term financing for properties with larger acreages and outbuildings. Our RuraLiving® Home Mortgage program exemplifies competitive pricing and effective products designed specifically for country home living.

RuraLiving® Home Mortgage Program Benefits

  • 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

What Types of Properties Qualify?

The RuraLiving program is dedicated to providing long-term financing for non-conventional secondary market hobby farm properties, with agricultural characteristics.

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
  • Property has 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

Eligible Hobby Farm Property Examples

56-acre hobby farm in New York

  • Primary residence and owner occupied
  • Potential for ag income derived from animal shelter, barn, horse facility and pasture land
27-acre hobby farm in Minnesota

  • Primary residence and owner occupied
  • Borrower has full-time, non-farm employment
  • 14 tillable acres, leased to local farmer
10-acre hobby farm in California

  • Primary residence and owner occupied
  • Potential for ag income derived from vineyard acreage
22-acre hobby farm in Kentucky

  • Primary residence and owner occupied
  • Retired borrower
  • Organic pasture land with outbuildings
75-acre hobby farm in Wisconsin

  • Primary residence and owner occupied, with an additional guest home and barn
  • A combination of acreage including both open and wooded land
  • 14 tillable acres

Inquiry Form


Thank You for Contacting Agri-Access.

An Agri-Access representative will contact you within 1 business day. For more immediate concerns, please call Agri-Access Customer Service at 1-888-888-8220.