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?

We would love to hear more about your dreams of living in the country. Complete our information request, and an AgCarolina loan officer will contact you.


Complete information request