Home or Real Estate Loans

Today, people are looking for a peaceful location to live and raise their families.  Whether they seek the country’s space and openness (with a quiet, laid back lifestyle) or an attractive lot in a subdivision or gated community. Cape Fear Farm Credit knows how to help them realize their dreams.

At Cape Fear Farm Credit we have knowledgeable and experienced local professionals who understand the needs of home loan customers. We help our customers understand the financing packages available so they can choose the option best suited to their needs.

Do I have to be a farmer to take finance my home mortgage through Cape Fear Farm Credit? No, farmers and non-farmers are both eligible for loans on rural and non-farm property. We have financing available for homes, home sites, residential lots, new construction and land.

Home Loan Programs

  • Conventional, log homes, modular and manufactured (double-wide or larger)
  • Primary dwelling
  • Second homes and investment (rental) property to full-time farmers
  • Homes with acreage
  • Purchases and refinancing

Lot/Home site Loans

  • Purchase or refinance a home site
  • No acreage limitation
  • Up to 15-year term with maximum 75% loan to value
  • Up to 7-year term with maximum 80% loan to value
  • Must plan to construct a dwelling on property in the future
  • Competitive interest rates
  • No prepayment penalty

Construction Loans

  • A fixed rate construction loan
  • Locked-in rate will apply to permanent loan
  • Up to 95% loan to value
  • Up to 12-month construction term
  • Competitive interest rates
  • Interest rate reduction option available at end of construction
  • Log homes, modular and manufactured (doublewide and larger) homes qualify
  • Maximum loan amount $424,100
  • 15 or 30 year term
  • No prepayment penalties

In addition to loan products, Cape Fear Farm Credit also makes loans for large acreage, livestock facilities, operating expenses, equipment and a whole lot more!

Meeting a Range of Financing Needs

As the expert in home lending and rural properties, Cape Fear Farm Credit can help secure a competitively priced financing package for a variety of purposes including:

  • Purchase or refinance
  • Lifestyle farming
  • Cash out for education, care, home improvements, etc.
  • Lot/Home site loans
  • Debt consolidation
  • Home construction
  • Personal Needs
  • Unfamiliar with the Country Home Loan Process?

    While there is a lot involved, we are dedicated to assist you every step of the way.

    Jill Smith, Consumer Loan Officer
    Jill Smith, Consumer Loan Officer
  • When you're ready, call us.

    We make owning your place in the country easy. If you're looking to buy land or a country home, talk to us first. In addition to assisting individuals, Cape Fear Farm Credit also works with real estate brokers, builders, and others to meet the financing needs of their customers... Contact us, we’re the experts.