The FARM Home Loans Act of 2025 modifies the Farm Credit Act of 1971 to expand rural housing financing options. Specifically, the bill allows rural homeowners to include accessory dwelling units (such as guest houses or rental apartments) as eligible property improvements when obtaining loans through the Farm Credit system. Additionally, the bill increases the maximum acreage limit for eligible rural properties from 2,500 acres to 10,000 acres, making it easier for farmers and rural residents on larger properties to access home financing. The legislation affects rural borrowers seeking mortgages through the Farm Credit system and expands the types of properties and structures that can qualify for these loans. No specific funding amounts or implementation timelines are detailed in the text.
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