RuraLiving Home Mortgage Program

Sometimes a traditional mortgage doesn't fit your dream property. That's why we're proud to offer unique long-term financing options for rural homes and small ranch properties.

Program Highlights/Eligible Properties:

• Competitive 30-year and 15-year fixed products
• Properties generally range from 5-160 acres
• Primary residence and owner-occupied
• Properties have the reasonable capability of generating $500 of annual agricultural income (Schedule F income allowed)
• Eligible properties include outbuildings, barns, pasture land, tillable acreage
• Available for purchase or refinance

Program Benefits:

• A solution created specifically for non-conventional properties
• A unique opportunity to lock in long-term financing and a fixed rate
• Finance one note and mortgage for the entire acreage and home
• Competitive pricing structure
• A dedicated and experienced team guiding you through a simple and convenient process

Refinance Benefits:

• Effectively manage your personal financial goals
• Reduce monthly payments
• Improve cash flow
• Lock in a long-term fixed rate to secure future financial expectations

Non-Eligible Properties:

• Full-time ranching or farming operations or a property with a large number of livestock
• Second homes
• Townhome, duplex or planned unit development
• Manufactured homes
• Unique homes (shed, dome, berm, cabins)
• Investment properties

To learn more about the RuraLiving Home Mortgage Program, contact Brittany Gorzalka in our Sheridan office at (307) 673-7777. 

First Northern Bank of Wyoming - NMLS #402576