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131 To learn more about Rural 1 st , visit www.Rural1st.com/Whitetail. A lender who knows the lay of the land Finding a lender who understands land loans and the rural lifestyle is important to meet your needs. Just like when you work with your Whitetail Properties Land Specialist to identify the property you'd like to buy, your lender will guide you through the financing process. It's important to choose a lender who understands what it means to live a rural lifestyle and has experience with bare land financing. You'll want to discuss everything from the down payment to interest rates and terms so you can understand your lending options. Unlike other lenders, Rural 1 st® can offer the security of fixed-rate financing as well as adjustable-rate options for bare land. We offer flexible terms and down payment options that work best for you. Future planning is important At some point, you may want to improve your land. Discuss options with your lender early to ensure things go smoothly once you're ready to make those improvements. Rural 1 st can help you prepare for improvements such as utility installation. You should also plan for some unexpected expenses that might pop up along the way. Your lending expert will be with you every step of the way and help you work within your budget. The prospect of purchasing rural land for the first time can be overwhelming. Working with a team of professionals who understand the nuances of rural land buying can give you peace of mind and make the process seamless. Remember many traditional lenders won't finance land intended to remain bare, so you'll want to find a lender willing to work with you. Rural 1 st offers financing to buy the land you want and expertise in insurance requirements, available grants, incentives and more. Your next land purchase is within reach, and Rural 1 st is here to help. Rural 1 st is a trade name and Rural 1 st , the Rolling Hills Window icon, Rural Logic, and Closer to What Matters are exclusive trademarks of Farm Credit Mid-America, NMLS 407249. Rural 1 st products are available to consumers within the territories of participating Farm Credit System Associations. Any time you purchase real estate, be it a lot for future use or bare land, you want to work with a team of advisors to create a budget," said Matt Schickel, a Rural 1 st loan officer in Indiana. "You want to plan for the unexpected—maybe you need to put in a driveway or camper hookup. We can help you forecast those often-overlooked expenses so you can maintain your budget without stress.