Home Loans

Who you choose as a lender matters! We work very closely with our clients to make sure everything goes smoothly during the mortgage process.

You can get a loan for the purchase, construction, improvement, or refinancing of a home. You may also borrow from us to purchase or refinance unimproved residential lots.

You don't have to be a farmer to get a mortgage through AgCarolina, though we do specialize in rural and large acreage properties.

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Home Loan Programs Available

• Conventional, log homes, modular homes
• Primary dwelling
• Second homes and rental property to full-time farmers
• Homes with acreage
• Purchases and refinances

Lot/Home Site Loans

• Purchase or refinance a home site
• No acreage limitation
• Must plan to construct a dwelling on property in the future
• Property location subject to eligibility requirements
• Competitive interest rates
• No prepayment penalty

Construction Loans

• Fixed rate construction loan option
• Up to 85% loan to value
• Up to 12-month construction term
• Competitive interest rates
• Log homes and modular homes are eligible
• 15 to 30 year term
• No prepayment penalty