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 Cindy Kremers in our Buffalo office at (307) 684-2211 or Brittany Gorzalka in our Sheridan office at (307) 673-7777. 


First Northern Bank of Wyoming - NMLS #402576