Construction Loans

Home is where the heart is, and we believe heart should go into the process of building a home. We are committed to helping you passionately pursue building your dream home.  

You’ve chosen the perfect spot to build your family home. You can picture it in your head, but now it’s time to make it a reality. Rural Life Lending, from Cape Fear Farm Credit offers home construction loans to help you realize your dreams. 

Financing Construction Loans 

Construction on a home can be a daunting process with many hurdles, but the loan process doesn’t have to be one of those hurdles. Rural Life Lending from Cape Fear Farm Credit has knowledgeable professionals who understand your needs.

Not only are we experienced when it comes to NC construction loans, but we are familiar with and involved in the community. Our passion for the community coupled with our financing knowledge makes us the perfect choice for those who want to build a home. 

We offer: 

  • A fixed rate construction loan option 
  • Up to 12-month construction term 
  • Competitive interest rates 
  • Log homes, modular and manufactured (double-wide or larger) homes are eligible  
  • 15 or 30 year term 
  • No prepayment penalties 

Is Building Right For You? 

When deciding whether you should build or buy a home, there are many things to consider like timeline, budget, and goals. If you already have land or acreage picked out, then building is probably the best option.

Building also allows for customization and the newness that construction brings. Of course, that can also lead to a lengthier build time and additional challenges. The good news is that we offer loans for both construction and pre-built homes. Whatever you decide is right for your family, we are happy to help! 

Contact a Construction Loan Expert

"There's a level of trust that has to be built, and it was very easy to establish with Cape Fear Farm Credit.”

The Littles didn’t expect to use Farm Credit for land and construction loans. They discovered that you don’t have to be a farmer or even involved in agriculture to secure a loan with Farm Credit. The Littles weren’t an agricultural family, but they were a family who had a dream to build a home in a rural community.

Watch Video
The Little Family

Ready to get started?

Interested in a construction loan in rural North Carolina? Our lenders are here to support you. Reach out today.