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Rural living

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“We could not be happier with our choice to bank with SouthStar. The customer service is truly second to none. If you’re looking for a true Texas bank with the best banking experience you’ll ever get, SouthStar is the one!” ~ Chandra A.

Long-term Financing for Homes on Acreage

We’ve been providing mortgage financing on rural homesteads for over 100 years. Our unique Rural Living program makes competitive, long-term funding available to customers looking for something more than a postage-stamp lot and big-city congestion.

Rural Living Loan Benefits:

  • Locks in long-term financing at a competitive fixed rate
  • Specifically developed to fund hard-to-finance rural homes on acreage¹
  • Combines home and acreage on a single note with reasonable closing costs
  • Can be used to refinance qualifying properties¹

Specifically designed to help buyers who earn a living in something other than farming or ranching purchase:

  • Conventional, owner-occupied residence in good condition with no deferred maintenance
  • A home located on 5-160 acres that comprises approximately 30% of the total value
  • Property that has a reasonable capability of generating $500 annually in agricultural income
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*Personal information such as social security number or account number, user ID or password should NOT be shared through this form. State ONLY your question or product inquiry. Please contact your nearest branch to discuss account specifics.

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Ineligible properties include: Full time farm / ranch operations; Investments; Second homes; Non-conventional homes (shed, berm, dome, cabin); manufactured / mobile homes; multi-family homes.

*Loans, lines of credit, and credit cards are subject to credit approval. Other fees and restrictions may apply. SouthStar Bank is an Equal Housing Lender. NMLS #410624

Providing Central Texans with flexible, common-sense financial solutions through 16 full-service branches.
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5 Star Rating from Bauer Financial, Coral Gables, Florida. The SouthStar Bank name and logo are the exclusive property of Southern Bancshares, Inc.

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  • All loans subject to approval. Other fees and restrictions may apply. NMLS #410624.
  • SouthStar Bank Routing Number 113119985
  • Phone Number for Spanish Speaking Employees: 888.844.9274
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