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Home loans made simple.

You don’t have to be a farmer to get your home loan through Southwest Georgia Farm
Credit. We make buying or refinancing your home fast and easy.

Personalized service for:

  • Homes with acreage—our speciality
  • Landscaping and remodeling
  • Debt consolidation
  • Cash-out for education, car, etc.
  • Home purchases
  • Refinancing
  • Construction-to-perm
  • Second homes

Your loan. Your way.

Apply on line when and where it’s most convenient for you. Get approved or pre-approved in minutes.

If you need to work with a mortgage expert, you can rest easy, knowing you’re working with a lending institution that has been serving your community for nearly a century.

Choose the home loan that is right for you.

A fixed-rate mortgage

  • Stable, monthly payments that offer peace of mind, especially if you plan to stay in your home a long time.

An adjustable rate mortgage (ARM)

  • Start with a lower monthly payment, and a lower rate.
  • Best when your budget can handle a fluctuating rate and payment.
  • A great solution if you don’t plan to stay in your home a long time.
  • May be possible to switch to a fixed-rate down the road.

A government loan/FHA/VHA

  • Best when you don’t have a 20% down payment.
  • Works well for first-time homebuyers and U.S. veterans.
  • Consistent monthly payments.


  • Buy a home or refinance.

Your resource for home financing.

How do land and home mortgages differ?

Land loans and home mortgages are normally similar, but land buyers often require longer terms and more flexible repayment schedules. This is especially true if the income earned from the land, such as the sale of agricultural crops, is the primary source of loan repayment. A lender that specializes in making loans for rural real estate is most likely to offer flexible financing

What mortgage products are available to rural real estate buyers?

Both variable rate and fixed rate loans are available for rural real estate loans. Each type of rate offers advantages, depending on your situation and the market conditions. In a high or falling interest rate environment, buyers may want to consider choosing a variable rate product. Variable rate loans are generally more desirable for shorter terms. Fixed rated loans are often preferred in a low or rising interest rate market, but many rural lenders do not offer them, especially for land loans. We’re happy to be able to offer fixed rate terms for both home loans and land loans. For land loans, we offer terms up to 20 years and in some cases, 30 years. For home loans, we offer terms up to 30 years.

How do I go about financing a country home?

Your ability to find financing for a country home may depend on the value of the home compared to the value of the land, and the amount of acreage on which the home is situated. Some commercial lenders can finance home sites up to just ten acres in size. Also, some lenders are restricted from making loans on property where the land is worth more than the home. Farm Credit is among the most flexible rural home lenders and can finance sites of less than one acre to sites of more than one hundred acres.

What are the main sources of rural financing?

Commercial banks, mortgage companies, insurance companies, private lenders (owner financing) and Farm Credit lending co-ops are all sources of financing for rural real estate. Some are more active in financing certain types of real estate, such as working farms, than other types. Farm Credit institutions finance the entire spectrum of rural real estate, from recreational property to full-time and part-time agricultural operations to country homes.

How does owner financing differ from a traditional mortgage?

It may be possible to negotiate more flexible repayment options with a private lender. However, buyers typically can choose from more products and options when they borrow from traditional lending institutions.

What should I look for in a rural lender?

Choose a lender who is knowledgeable and experienced in financing rural real estate. An experienced rural lender can offer guidance on agricultural-use tax exemptions, conservation easements, environmental factors and insurance sources that an out-of-state lender might not be able to. A local lender will be familiar with land values and comparable real estate prices in the area, and that could result in a faster loan closing.

Worried About Having Your Credit Pulled?
Here’s the Scoop.

Calculate your monthly payment.

This land loan calculator computes monthly payments & the total interest based on the purchase price, downpayment amount, interest rate and number of monthly payments.

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Join the Farm Credit family.

Are you just beginning your land buying journey—but not quite ready for a loan? Become an Associate Member and stay connected with people and information that can help you along the way.  You'll receive our quarterly magazine, Wiregrass Land & Living, and our monthly e-newsletter, Farm & Land Report—featuring industry trends, event invitations and local advice from our land experts.