Love Where You Live

From coastal plains to winding rivers, Eastern North Carolina holds a beauty all its own. It’s where the tea is sweet, BBQ is a noun, and strong agricultural roots shape everyday life. From family farms passed down through generations to small operations beginning a new chapter, farming remains the heartbeat of this region. There’s something special about calling this part of the Old North State home—and for many, it’s a chance to continue or begin a legacy here.

At AgCarolina Farm Credit, we’re here to help you make a piece of Eastern North Carolina yours. You don’t have to be a farmer to get a loan with us. We specialize in rural and large acreage properties. Whether you’re purchasing, building, improving, or refinancing, we offer flexible home loan options to fit your plans.

Many of our team members live right here in the communities we serve, and we can’t wait to welcome you as a neighbor. We’re more than lenders—we’re relationship builders. With our Rural Life Lending, you gain a support system that guides you through the process, helps you understand mortgage rates, and lets you focus on making memories in your new home.

If building is your dream, we’re ready to help with that too. With deep community roots and more than a century of experience financing land and new construction, we’re here to make your home journey smoother—whether your timeline is now or in the future.

For a snapshot of what we provide:

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

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
•    Up to 30 year terms