Southern AgCredit is a full-service, locally owned cooperative lender that specializes in helping people like you buy and enjoy land in the country. This land is often used for agriculture, such as crop, cattle and poultry farming as well as timberland and other uses related to agribusiness and recreation. Likewise, we often finance land improvements as well as country homes, farm structures, equipment and vehicles, poultry houses, tractors and a wide variety of other agricultural equipment.

But our expertise doesn’t stop there. We also make loans for rural hunting and fishing camps, country homesteads and a wide variety of rural investment property. So if you’ve always dreamed of owning a quiet piece of rural real estate – you’ve come to the right place!

We are proud to hold the largest portfolio of rural real estate loans in Mississippi where we serve the southernmost fifty of the state’s eighty-two counties, in addition to the eleven parishes of Northwest Louisiana.

Cooperative Structure

Our cooperative structure is one of the secrets to our long-standing success. As a financing cooperative, our customers own shares of our business and elect our board of directors themselves – agricultural producers, rural landowners and agribusiness owners. Thanks to our patronage program, our customer shareholders also receive a portion of our profits.

Roots in Farm Credit

Southern AgCredit was founded in 1916 when the federal government established the national Farm Credit System to give rural farmers better access to working capital. Today, we remain a primary lender for farmers, ranchers and other agribusinesses throughout our territory – but we now serve more than the agricultural community. We provide financing and expertise for the purchase of rural land for recreational pursuits such as hunting, 4-wheeling, and motocross, among many others.

The History of Federal Land Banks

Since President Woodrow Wilson signed legislation creating the Federal Land Bank System in 1916, Farm Credit has evolved into the dynamic network of 73 independent institutions that serve all 50 states and Puerto Rico.

This rich history has helped us build an extraordinary depth of understanding of rural credit needs. We appreciate the challenges and opportunities for agriculture and more specifically for the individual crop sectors and livestock breeds. Today, we support infrastructure providers and farmers by helping to keep American agriculture competitive in global markets and our rural communities viable and thriving.

Our mission to support rural communities and agriculture with reliable, consistent credit and financial services remains just as critical today as it was more than 100 years ago.

If you are looking to purchase rural real estate or agricultural land, give Southern AgCredit a call. Already own that land? Southern AgCredit has refinancing options to make owning agricultural real estate much more affordable. At Southern AgCredit we offer numerous interest rate programs designed to meet our customers’ specific needs. So, visit us today at southernagcredit.com or visit one of our many locations across Mississippi and Louisiana.

This guest post is courtesy of Southern AgCredit. Southern AgCredit is a full-service, locally owned cooperative that helps people like you buy land in the country. For more information, please visit www.southernagcredit.com.