Home Mortgages

Products » Home Mortgages

Why use River Valley AgCredit for your home mortgage? Service and price. Our experienced loan officers will assist in determining which loan product is right for you. We take the time to talk to you, listen to you, and match your needs to the best product available.

We specialize in rural and large acreage properties. Our rates and fees are among the lowest and we don’t mind telling you up front what your loan will cost. Just a few of our home mortgage program highlights are:

  • Up to 85 percent financing with no mortgage insurance requirement
  • Single close construction option available
  • Low construction rates
  • Competitive rates and fees
  • Quick response
  • Option to keep your loan local for service or the option to access the secondary mortgage market


Our experienced loan officers will assist in determining which loan product is best for you. Just a few of the loan terms and options we offer are:

  • Conventional loans
  • Fixed rates for up to 30 years
  • One-year, three-year and five-year adjustable rates
  • Free rate locks available upon approval
  • Variety of rates and points available for most programs
  • Cash out refinances available for owner-occupied, second homes, and investment properties

Home Equity Line of Credit

River Valley also offers home equity line of credit loans for terms up to 10 years. These loans are not just for farmers; they are quick and convenient. There are no closing costs with direct payment withdrawal from your checking account. Monthly payments of principal and interest are indexed to the prime rate. And the best thing--you will be eligible to share in our profits with our Patronage Refund program.

Contact us today to find out more about home mortgages and how we can make your dream in the country come true.