Out here is where we live our best life.

Call us biased, but we believe there’s no better place in the world to live than in rural Texas. The space, the land and the people are unmatched. It’s why we love helping people who aspire to live this lifestyle. If you’d like to experience life out here, just fill out a short form and we’ll call you to start the conversation.

Get Started

Serving rural Texas since 1916.

As the largest agricultural cooperative in Texas, Capital Farm Credit is an organization built on service and only does business in Texas.

We offer loan products to help our members finance, refinance or build a new construction in rural Texas. Whether it’s a primary home or a secondary residence, our team of Trusted Advisors will use their extensive market knowledge to help guide you through the process of buying rural property.

Since 2006, we’ve returned roughly 90% of our profits back to our members - that’s $2.9 billion in combined cash and allocated equities.

Loan Products

Rural lending is all we do.

We provide our members with competitive loan products so they can realize their dream of living in a rural Texas community. We offer:

  • Flexible rates and terms

  • Home purchase loans

  • Construction loans

  • Refinance loans

  • Second-home loans

  • FHA loans/VA loans

  • Financing inside or outside city limits

  • Home equity/cash out loans - secondary market only

Young couple sitting on a porch swing

Experience

You could say, we know the value of every acre out there.

It’s one thing to say you know Texas real estate. It’s another thing to deliver on it day in, day out. Here are some ways Capital Farm Credit goes above and beyond for their members:

  • No acreage restrictions

  • Competitive rates

  • Reasonable fees

  • Retain ag tax valuation

  • Financing for metal homes

  • Cooperative structure that qualifies borrowers for Patronage program

2 children running in their backyard

Next Steps

When you’re ready, we’re here for you.

Our knowledge and experience in rural real estate is unmatched in Texas. As a leader in the industry, we understand the landscape and we’ll do what it takes to help you.