fbpx Skip to content

Rural Living Mortgage Program

Long-term Financing for Homes on Acreage

We’ve been providing mortgage financing on rural homesteads for over 100 years. Our unique Rural Living program makes competitive, long-term funding available to customers looking for something more than a postage-stamp lot and big-city congestion.

Rural Living Loan Benefits:

  • Locks in long-term financing at a competitive fixed rate
  • Specifically developed to fund hard-to-finance rural homes on acreage¹
  • Combines home and acreage on a single note with reasonable closing costs
  • Can be used to refinance qualifying properties¹

Specifically designed to help buyers who earn a living in something other than farming or ranching purchase:

  • Conventional, owner-occupied residence in good condition with no deferred maintenance
  • A home located on 5-160 acres that comprises approximately 30% of the total value
  • Property that has a reasonable capability of generating $500 annually in agricultural income
1Ineligible properties include: Full time farm / ranch operations; Investments; Second homes; Non-conventional homes (shed, berm, dome, cabin); manufactured / mobile homes; multi-family homes.

*Loans, lines of credit, and credit cards are subject to credit approval. Other fees and restrictions may apply. SouthStar Bank is an Equal Housing Lender. NMLS #410624