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Ask the Expert - Emily Niendick

Originally published in Heartbeat Magazine Fall 2025.

Your go-to resource for navigating agriculture’s financial landscape where our knowledgeable FCS Financial staff addresses some common questions from our members.

My husband and I both have salaried jobs, and we’re looking to buy a small piece of land for hunting and fishing, with the future goal of building a cabin. Can FCS Financial provide financing for this type of purchase? 

Emily NiendickEmily Niendick, Financial Services Officer, Ag & Rural Lending, Higginsville

Absolutely! While FCS Financial may be best known for our agricultural loans, we also offer flexible financing options for rural homes and recreational properties. It’s all part of our commitment to help grow and strengthen the communities we serve. We can finance your land purchase and once you’re ready to start construction, we can roll your land loan into a construction loan which will seamlessly convert to a long-term, fixed-rate mortgage. It’s a smooth process and we’re here to walk you through every step of the way.

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