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

Ready to get started?

Contact one of our lending specialists to find out how to get the financing you need, fast.