Rural Property Financing

Our rural property mortgage program is specifically designed for individuals looking to purchase or refinance properties in rural areas. With a minimum credit score requirement of 680, we offer competitive loan-to-value (LTV) ratios for both purchase and cash-out transactions.

For single-family residences (SFR) in rural areas, we provide financing up to 80% LTV for purchase transactions and up to 75% LTV for cash-out refinances. This means that you can borrow up to 80% of the property’s appraised value for a purchase or up to 75% for a cash-out refinance.

For 2-4 unit properties in rural areas, we offer financing up to 75% LTV for purchase transactions and up to 70% LTV for cash-out refinances. This allows you to access the equity in your rural property for various purposes.

Please note that the minimum loan amount for rural properties is $100,000. This ensures that our program is suitable for a wide range of property values in rural areas.

Whether you’re looking to purchase a rural home or access the equity in your existing property, our rural property mortgage program provides flexible financing options tailored to your needs.

Contact us today to learn more about our competitive rates and terms on rural properties.