The residential lending division of FCS Financial specializes in country home loans and vacant land financing.  Our goal is to provide dependable, convenient, and competitive loan and financial service products to residential customers. 

Many banks and mortgage brokers are not interested in lending money on a home with 10 or more acres or cannot offer fixed rate financing on these properties. Not all lenders are willing to finance a lot on which you plan to build later. However, FCS Financial can provide fixed rate loans to those who prefer living in rural areas and small towns. Adjustable interest rate options are also available.

Whether you are buying your first home, upgrading to accommodate a growing family or are looking to refinance your current home, we offer several financing options exclusively designed for people who live or desire to live in the country.

• Loan terms up to 30 years
• Competitive variable, fixed, and adjustable rates
• No requirement for expensive Private Mortgage Insurance (PMI) 
• No requirement to freeze your money in a non-interest bearing escrow account
• You can prepay at any time without penalty
• Ability to convert your loan rate when interest rate environments offer savings
• Ability to lock in your rate
• Local servicing of your account
• Quick approval and loan closings
• Affordable payments