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Have you been dreaming about a home or land in the country?

If so, Northwest FCS can help you turn your dreams into reality. And if you already own a country home, we offer excellent refinancing options too. 


Estimate your loan costs

couple calculating their mortage
Visit our mortgage and loan calculator page to estimate loan costs, evaluate interest rates and explore refinancing benefits.

Home and Land Loans

Northwest FCS provides loans for purchasing or refinancing rural homes, lots and land, as well as loans to buy property, for recreational use or to build your future home. The Country Home Loan program offers competitive interest rates, with several rate and repayment options. Loans are available to people who want to buy bare land or a home in a rural setting, or within the city limits of small towns. The program is designed to promote rural development and farming isn’t a requirement. 

Ready to apply?

Take the next step and contact your local relationship manager.

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Rural Home Loan Specialists

At Northwest FCS, we focus on financing rural property, and we specialize in processing loans for properties with unique qualities that many other lenders may not consider. We’re also a portfolio lender, which means we won't sell your loan to another institution. Instead, our goal is to provide you with a great customer experience from your first conversation with our team to your final mortgage payment.   

We specialize in rural property financing. The following types of properties may be rejected by traditional banks or credit unions, but can be considered for financing through our programs:   

  • Large acreages 
  • Bare land without water, power or septic 
  • Properties with farm income or zoned for agriculture use or residential use. 
  • Land with barns, shops, outbuildings and/or riding arenas. 
  • Manufactured, modular, log and shop-homes. 
  • Vineyards, orchards, nurseries, woodlands, conservation lands and other agricultural commodities. 
  • Properties with multiple, permanent homesites. 
  • Off-grid properties and multiple, continuous parcels. 
  • Bare land for future home sites. 
  • Land for recreational use such as hunting, camping, fishing or riding ATVs. 
father and son looking out at open field. Learn more about Rural home loans.

Land Loans (Home Site)

Get a loan to buy raw land in the country or a bare lot located in a small town. Water, well and septic aren’t required at time of financing. 

  • No acreage restrictions 
  • Residential and agriculturally zoned properties are eligible 
  • Power, well and septic aren’t required 
  • Refinancing programs are also available 
  • No time limits for building 
Competitive fixed-rate and fixed-to-adjustable interest rates are available with a variety of repayment options. Learn more about available loan terms  here.   

Ready to apply?

Take the next step and contact your local relationship manager.

Get Started

Land Loans (Recreational)

Looking for land to hunt, camp, fish or ride your ATV on? Our recreational land loan may be right for you.
  
  • Available for both small and large acreages.*  
  • Power, well and septic aren’t required for financing.   

Competitive fixed-rate and fixed-to-adjustable interest rates are available with a variety of repayment options. Learn more about available loan terms  here.   

*Offers are subject to approval. Certain conditions and restrictions may apply to customers seeking financing for less than 10 acres. 

Ready to apply?

Take the next step and contact your local relationship manager.

Get Started

Farm at Sunset. Learn more about rural loans.

All-in-One Construction Loan

Looking to buy land and build a home with one convenient loan? The All-in-One Construction Loan simplifies the construction process by eliminating the need for multiple loans. With this program, you also have options for choosing the interest rate terms and repayment options that are best for your needs. 

  • One loan, one set of fees and one closing 
  • Lock in interest rates for the life of the loan 
  • Renovations, remodels and outbuildings are eligible 
  • Interest-only, monthly payments during construction 
  • Flexible time periods for more complex projects 
Competitive fixed-rate and fixed-to-adjustable interest rates are available for construction loans, with a variety of repayment options including interest-only payments during the construction period. You can learn more about available loan terms here

Interest Rate Options and Loan Terms* 

Northwest FCS offers competitive interest rates for home and land loans, with a variety of repayment options. Residential loan rates and terms vary by program. To learn more, or discuss current rates, please contact your local branch or submit your question here.

Fixed-Rate Loan Terms

Lock in your rate for the life of your loan with a fixed interest rate. Terms dependent on loan type.  

Fixed-to-Adjustable Rate Loan Terms 

Take advantage of lower rates with a fixed-to-adjustable rate loan that allows you to lock in low rates for a designated time period, then convert the loan to the current market rate after the initial term. Payments can be calculated for longer terms to reduce payment amounts. 

Interest-only Payment Option

All-in-One Construction Loans provide a way to combine a land purchase and home construction costs into one convenient loan. With this loan, you may be eligible to make interest-only payments during the designated construction period to free up cash flow for building costs. 

Ready to Apply?

Take the next step and contact your local relationship manager.

Get Started

Questions?

To learn more about any of our rural home loan programs, please contact your local branch or call 866.552.9172 during business hours.

*Available rates and loan terms vary by program.

Equal Housing Lender All loan actions are subject to program availability. Certain conditions and restrictions may apply. NMLS #543727

Country Home Loans

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All-in-One Construction Loans

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Land Buying Checklist

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Land Loan (Home Site)

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Land Loan (Recreational)

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