Country Living and Vacant Land

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1 Country Living and Vacant Land FINANCING A cooperative devoted to the success of our members unitedfcs.com

2 One Stop Financing for Rural Living Buying? Building? Refinancing? At United FCS, we understand your dream. We know the unique attractions of country living because we are completely focused on the rural lifestyle you love. United FCS country living financing programs are specifically designed to help people live in rural areas and small towns (population 2,500 or less). United FCS has staff members specifically dedicated to country living loans. They understand your goals, so they can offer you insightful advice, service, and answers, every step of the way. What is needed for a loan application?» Two pay stubs for each borrower» Your last two years federal tax returns» Your last two years W-2s» Your current bank statements» Your current 401(k) and/or investment statements» Accepted Offer to Purchase (if available)

3 Home Site and Recreational Land Financing The United FCS Vacant Land Financing program was created to promote land financing for future use as a home site or as recreational property. The United FCS program offers several advantages:» Flexible terms tailored to you» Low down payments» Competitive interest rates» A loan term of up to 30 years When do I use it? You can finance or purchase a rural residence building site if you can demonstrate both the desire and intent to construct a single family residence on the property. You may also access program financing if you are purchasing vacant land for use as recreational property. How do I apply? Contact your local United FCS office for an appointment with a representative who will help you complete a loan application.

4 Construction Loans United FCS is dedicated to country living, so we have expert staff specialized in financing home construction in rural areas. We are able to offer convenient, competitive advantages:» Free pre-approval» Flexible terms» Competitive interest rates» No pre-payment penalties» Interest-only payments until construction is complete» One-step financing option eliminates refinancing after construction is complete» 12 full months to complete construction

5 Country Living Mortgages Our dedication to rural life extends to mortgages that can help you buy, build, or refinance your home. Country Living Mortgages offer a variety of advantages tailored to you that are easy on your budget:» Flexible terms» Competitive adjustable and fixed interest rate loan options» A single loan for your home and your acreage» Country Living Mortgages are never sold to the secondary market A pre-approval program provides you with a conditional commitment for financing, including:» Maximum principal, interest, taxes, and insurance payment» Loan amount based on current interest rates When do I use it? Apply when you are in the market to buy or build before you find the property. A preapproval from United FCS can help you, your real estate agent, and your builder save time and money. How do I get pre-approved? Contact your local United FCS office for a preapproval appointment. A representative will help you complete an application.

6 We Know Agriculture, and We Understand Your Needs For more than 95 years, United FCS has been offering comprehensive financial services for agriculture and country living. Our experienced staff works with farmers every day, and all our products and services are designed specifically to support farming operations and rural lifestyles. Count on United FCS for convenient, single-source access to:» Long-term mortgage loans (for land and other capital purchases), intermediate-term loans, operating loans, and leasing» Crop and life/disability insurance» Tax and accounting services» Succession planning and retirement» Vacant and recreational land financing» Online banking A farmer-owned cooperative, United FCS serves over 5,400 customer-members with a primary focus on 22 counties in West Central Minnesota and North Central Wisconsin. As part of the National Farm Credit System, our loan customers are also our member-owners, having the ability to share cooperative earnings in the form of cash patronage. We are devoted to the success of our members. Find out more and get access to DTN news, weather, and markets at

7 Swift Willmar Meeker Litchfield Madison Chippewa Kandiyohi Lac qui Parle Renville Yellow Medicine Olivia Lincoln Lyon Marshall Redwood Falls Redwood Minnesota Wisconsin United FCS Office Locations Price Taylor Medford Oneida Lincoln Vilas Forest Langlade Antigo Thorp Clark Wausau Marathon Wood Stevens Point Marshfield Portage Waushara

8 United FCS Office Locations MINNESOTA Litchfield 1725 US Highway 12 E Suite 200 P.O. Box 128 Litchfield, Minnesota Phone Toll Free Fax Madison 112 5th Avenue P.O. Box 148 Madison, Minnesota Phone Toll Free Fax Marshall 302 O Connell Street Marshall, Minnesota Phone Toll Free Fax Olivia 1815 West Lincoln Avenue P.O. Box 126 Olivia, Minnesota Phone Toll Free Fax Redwood Falls 161 County Highway 101 P.O. Box 160 Redwood Falls, Minnesota Phone Toll Free Fax Willmar* 4401 Highway 71 S P.O. Box 1330 Willmar, Minnesota Phone Toll Free Fax WISCONSIN Antigo 2616 US Highway 45 Antigo, Wisconsin Phone Toll Free Fax Marshfield 1207 North Central Avenue P.O. Box 1080 Marshfield, Wisconsin Phone Toll Free Fax Medford 600 South 8th Street P.O. Box 466 Medford, Wisconsin Phone Toll Free Fax Stevens Point 1216 Wildwood Drive Stevens Point, Wisconsin Phone Toll Free Fax Thorp 204 East Liberty Drive P.O. Box 330 Thorp, Wisconsin Phone Toll Free Fax Wausau 611 South 32nd Avenue P.O. Box 1089 Wausau, Wisconsin Phone Toll Free Fax *Corporate Office