Rural Home & Land Loans

Land for living. Land for playing. Land for growing. 

You don't have to be a farmer to want to get closer to the land. Cape Fear Farm Credit offers home and land loans to anyone who wants a little land for themselves in the countryside. 

Cape Fear knows North Carolina's rural properties better than anyone else, so we're best equipped to help you find the right place and finance it at a competitive rate. 

Welcome to the rural life. 

Don't put off your dream property any longer. Interest rates are low and now is a good time to buy! 

If you're new to the process of buying land, it can be confusing to get started. Many traditional lenders have a lot of restrictions on land loans, but we offer loans with no acreage limitations. Our expert team will walk you through the process from start to finish and answer any questions you have about your new loan. 

Who is eligible for a Cape Fear loan?

Cape Fear Farm Credit offers agricultural and rural-related loans. Any farmers, agri-businesses, or anyone seeking a loan for agricultural purposes are eligible for a loan with us. Rural residents looking to purchase a home or land are also eligible.

Is Cape Fear Farm Credit right for me?

Our mission to be the lender of choice to all of agriculture and our rural communities is at the heart of what we do each and every day. We are committed to agriculture and understand the ins and outs of the business. We get it.

Are there benefits to getting a loan with Cape Fear Farm Credit?

We are a customer-owned cooperative. When you borrow from us, you are a member of the cooperative and are paid dividends, what we call our patronage program. A patronage refund is a way of distributing the Association’s net income to its customer-owners. Basically, it lowers your effective interest rate with us and saves you money.

Are certain times better than others to apply?

We are here to serve you so stop by any of our branches Monday through Friday between 8:00am and 5:00pm to speak with one of our loan offcers about your unique needs. No time is better than now to get the conversation started.

What will you be looking at when I apply?

We look at credit scores, overall financial condition, equity and repayment capacities.

Apply today for a home or land loan.

Our expert loan officers understand rural living and make the process easy.


What matters when choosing land?

No two properties are the same, and many people have different goals when it comes to what they want to do with the land they want to purchase. Tune in as our experts across the state answer top questions related to buying land, the land loan process and home construction.

Ready to get started?

Contact one of our lending specialists to find out how to get the financing you need, fast.