At Capital Farm Credit, we simplify the transition from construction to permanent financing with a single loan package using the Rural 1st product. There is no need for refinancing once construction is complete. We allow the land you’re building on, in addition to the dwelling, to be used as equity for your down payment, maximizing your financing potential.

Fixed-Rate Financing Options

During the construction process, you can lock in your loan with variable to adjustable or fixed-rate financing options.*

Freedom to Choose Your Builder

We respect your choice of contractor and will collaborate closely with your selected builder.

Extended Project Completion Time

Unlike many lenders who require construction to be completed within six months, Capital Farm Credit allows up to one year to finish your project, accommodating potential delays such as weather or scheduling issues.

Choose Capital Farm Credit for flexible, comprehensive home construction loan solutions designed to meet your unique needs.