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Types of Loans

Country Home Loans

We understand the unique loan requirements for country homes and acreages. Unlike other lenders, our loan programs are specifically designed to meet the needs of country home and rural property owners. Here’s why: 
 

  • Large acreage qualifies
  • Agricultural or residentially zoned properties are eligible
  • Income-producing properties are eligible
  • Appraised value can include barns, shops, outbuildings, or riding arenas
  • No mortgage insurance required
  • Custom, modular, log, and manufactured homes are eligible

Lot Loans
You’ve found the perfect property for your dream home but you’re not quite ready to build. The flexibility of a Northwest FCS lot loan is a great first step.

  • There are no acreage restrictions
  • Residential and agriculturally zoned properties are eligible
  • Improvements like power, well and septic are not typically required
  • Purchase and refinance programs are available
  • When you're ready to build, we offer an all-in-one construction loan

All-in-One Construction Loans
Buy the land you want, build, and move in with one convenient loan.

  • Just one loan, one origination fee, and one closing
  • Renovations, remodels and outbuildings are eligible
  • Interest-only monthly payments during construction provide more cash flow during the building process
  • Nine-month construction period for conventional homes
  • Flexible time periods for more complex projects
  • Interest rates are locked in during construction

All loan actions are subject to program availability. Certain conditions and restrictions may apply.

Northwest Farm Credit Services
2001 S Flint Rd, Spokane, WA  99224
Toll Free:  (866) 552-9172
centralservicing@northwestfcs.com
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