If you’re looking to live in a rural area away from the city, you may want to own more property and live away from the hustle and bustle of the city. Although it may be exciting to start the process of looking for the right home to own, there are a few important facts to understand. Buying a home in a rural area is slightly different than purchasing a property in a developed part of the city, making it necessary to be prepared.

Research the Utilities Available

Keep in mind that fewer utility companies are available in rural areas because there aren’t as many people living in the area. Expect your options to be limited when it comes to finding the right cable company or internet provider. You may only have one option available, even if it’s not the best company.

You also need to consider if you’ll need to have your own septic system because rural homes are typically not hooked up to commercial systems. Fortunately, taxes are often lower if you have your own septic system compared to buying a house in a developed neighborhood.

You may also not have a connection to public water and may need your own well water system. You can have access to groundwater to use in the house. This can provide you with access to free water, which means you don’t have to worry about high water bills after purchasing the home.

Determine How Much Property

Consider how much property you want to own, whether you’re looking to purchase a farm or a home. Many buyers make the mistake of assuming more than enough land is available, which isn’t always the case. You may want to live on several acres of land or still want to live close to other neighbors. If you find a property with a lot of acres, some of it may not be developed, which means it’s unusable. Consider your needs in the future and if you plan to expand on the existing house.

Hire a Real Estate Agent with Rural Buying Experience

Consider hiring a real estate agent with experience helping buyers find land in rural areas to ensure they know how to navigate the process. They’ll understand what additional documents are required and will understand the different rules and regulations involved. If you hire a typical real estate agent, they can make mistakes and make it a more challenging process.

Apply for a USDA Loan

USDA loans are specific to those who plan to purchase property in a rural area and are backed by the U.S. Department of Agriculture. You can obtain financing for the new home without a down payment. Additional benefits of a USDA loan are below-market mortgage rates and reduced mortgage insurance for added savings on the term of the loan.

Applicants must typically have a FICO score of at least 640 and a debt-to-income ratio of 41 percent or less.

Knowing what to expect once you decide to purchase a home in a rural area will allow you to be prepared for the process and make it go smoother. You can look forward to relocating to a remote area and have a smooth and successful transaction to ensure you can find the right property for your needs