The FARM Home Loans Act of 2026 modifies the Farm Credit Act of 1971 to expand rural housing financing options. Specifically, the bill allows rural homeowners to finance accessory dwelling units (like granny flats or rental units) as part of their home loans and increases the acreage limit for properties eligible for rural housing loans from 2,500 acres to 10,000 acres. This legislation affects rural residents and farmers seeking to finance homes or add dwelling units on their property through the Farm Credit system. The bill has no explicit funding or implementation timeline listed in the text provided, but it amends existing farm credit programs rather than creating new ones.
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