We offer flexible terms, including long-term options, to meet your specific needs, whether it’s land for new home construction, an existing rural home or a new home in a rural community.

AgCarolina Farm Credit makes financing new home construction in rural areas simple. We offer a one-time closing that saves time, closing costs and the risk of changing interest rates. Our home financing experts will be with you every step of the way from lot purchase through home construction to your final mortgage.

AgCarolina Farm Credit has unsurpassed expertise in rural home and real estate financing – we make the process simple.

As a primary market lender, AgCarolina Farm Credit retains ownership and service through the life of your loan. We won’t sell your mortgage to a secondary lender or change any terms such as grace periods and fees.

You can choose monthly, quarterly, semiannual or annual payment schedules to meet your cash flow expectations. We also offer fully or partially amortized loans, and decreasing, even or accelerated payment schedules.

We have an in-house certified appraisal team that completes appraisals for a competitive flat fee.

Choose a lender who is knowledgeable and experienced in financing agricultural land. An experienced rural lender can offer advice on agricultural-use tax exemptions, environmental factors and insurance sources that an urban or out-of-state lender might not. Our experienced local financing teams are highly specialized and will work with you to determine the best loan for your farm.

As a primary market lender, AgCarolina Farm Credit retains ownership and service through the life of your loan. We won’t sell your loan to a secondary lender or change any terms such as grace periods and fees.

In addition to serving the credit and risk management needs of farmers we finance and refinance agricultural land, acreages, country homes (including new construction), and homes located in rural subdivisions or communities with populations of 2,500 or fewer residents. If you farm, you may also qualify for home financing in a larger town or city.

Agriculture and rural financing is all we do.  Along with our attractive rates, unusually flexible terms and cash-back dividends, our financial and lending officers have an unsurpassed expertise and understanding of the unique aspects of rural property financing.

When you finance with AgCarolina Farm Credit you become a member. That means, along with attractive rates and terms, eligible customer-owners can get cash-back dividends, a unique opportunity to share in our net earnings.