To us, your little corner of the world is the biggest thing on earth.

Now that you’re ready to start building that dream home in the country, you’ll need someone on your side who knows how to get rural right. At Farm Credit Mid-America, we’ve helped thousands of dreamers just like you build their rural homes, because rural is what we do.

Complete the online form to get your free construction guide. While supplies last.

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    Thank you for inquiring about a construction loan through Farm Credit Mid-America. Your request has been received, and we will contact you with information about your submission.

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One simple loan process

We offer a convenient onetime closing product. That means you pay one set of closing costs and go through the application process only once.


12 months to complete your project

We offer a convenient and flexible draw schedule and 12 full months to complete your project. This will help construction go smoothly and make things more manageable for you and your builder.


$0 in fees

When your project is complete, you can refinance your loan into one of our traditional mortgages with no refinancing costs.*

*Credit subject to approval. Farm Credit Mid-America serves the states of Indiana, Ohio, Kentucky and Tennessee. Conversion of a construction loan to permanent financing is subject to a one-time fee of $350 for loans originated after April 30, 2015. The $0 conversion to permanent financing promotion is applicable to loans originated before April 30, 2015 and the customer must convert to permanent financing within a year of origination. Credit eligible customers must meet one of these criteria in order to have a loan with Farm Credit Mid-America: have at least 5 acres; live in a town with a population of 2,500 or less; have the intent to farm; or have at least $500 in annual gross farm income.