First South Farm Credit
First South is How You Buy Land
What Can We Help You Finance?
- Purchase or refinance a rural residence
- Build your dream country home
- Make improvements to your existing land
- Purchase or refinance recreational property like hunting land or weekend retreats
Why Choose First South?
- Competitive interest rates
- Flexible loan terms up to 30 years
- Fixed and variable rate options
- Experienced land lenders who understand rural property financing
- Patronage refunds effectively lower your borrowing cost
What You’ll Need to Apply
To help make your lending experience smooth and efficient, here are some commonly requested documents:
- Personal financial statement
- Personal tax returns (last 2 years)
- Pay stubs (last 30 days)
- W-2 forms (last 2 years)
- All schedules, 1099s, and K-1s
- Bank, investment, and retirement account statements (last 2 months)
- Copy of your driver’s license
- Executed purchase contract (if applicable)
- Document requirements may vary depending on your loan type.
Let’s Talk
251-580-8678
Whether you're looking at land in the Bay Minette area or anywhere else, our local land experts are ready to help you take the next steps.