Financing Land, Country Homes, and New Construction with Kaitlyn Wiseman

In this episode of Spilling the Title Tea, Ashley sits down with Kaitlyn Wiseman, a consumer loan officer with Rural 1st, to discuss financing options designed for people who want more space, recreational land, a country home, or a place to build.

Kaitlyn shares how growing up on a Kentucky farm inspired her interest in agriculture and lending, eventually leading her to her dream role as a loan officer. She explains how Rural 1st works alongside Farm Credit and walks listeners through their lot loans, recreational land financing, rural home loans, and construction loan options.

Ashley and Kaitlyn also discuss acreage requirements, financing property inside and outside city limits, working with general contractors versus managing a build yourself, and Rural 1st’s loan conversion program that may allow borrowers to secure a lower interest rate without completing a full refinance.

Whether you are looking for hunting land, planning to build a home, or dreaming about a quieter life in the country, this episode offers practical information to help you understand your financing options and prepare for the loan process.

Highlights

• Kaitlyn shares how growing up on a farm in Winchester shaped her love for agriculture, animals, and country living.
• Meet Luna, Kaitlyn’s spoiled pet cow who comes running for treats and happily finishes leftover cake and ice cream.
• Kaitlyn explains why she knew as early as high school that she wanted to become a loan officer.
• How Kaitlyn moved from Rural 1st’s operations department into her dream loan officer position in just a few months.
• The connection between Rural 1st and Farm Credit and how the two divisions serve different types of borrowers.
• How lot loans can help buyers purchase property now with plans to build a home in the future.
• The difference between lot loans, recreational land loans, rural home financing, and construction loans.
• How acreage, property location, and Rural 1st’s mapping system determine whether a property qualifies for financing.
• Why working with a general contractor can make the construction loan process easier than acting as your own contractor.
• How Rural 1st’s loan conversion program may allow eligible borrowers to lower their interest rate without paying the full costs of refinancing.

Links

Sringdale Title Links:

sprindaletitle.com

Facebook

https://www.linkedin.com/company/73182038

Instagram

Kaitlyn:

Kaitlyn Wiseman | LinkedIn

(3) Kaitlyn Wiseman | Facebook

The Leader in Rural Lending - Rural 1st