Farm and land loans
Financing for farms, acreage and raw land
Whether you want a working farm, a hobby property, a homesite in the country or land to build on later, farm and land loans are structured differently from a standard home mortgage.
- Property types
- Farms, acreage, land
- Down payment
- Often 20% to 35%
- Loan purpose
- Buy, refinance, build
- Terms
- Fixed and adjustable
How Farm and Land financing works
Land and farm properties carry different risks than a typical house, so lenders review them differently. Raw land, improved lots, hobby farms and working agricultural operations each have their own guidelines.
I help you identify the right structure for your plan, whether that means buying a farmhouse with acreage, purchasing a lot to build on, refinancing land you already own, or financing a construction project on your property.
Key benefits
- Financing for acreage, farms, ranches, hobby farms and homesites
- Options for raw land, improved land and land with a home
- Purchase, refinance and cash-out solutions
- Construction-to-permanent options when you plan to build
- Work with lenders familiar with rural and agricultural properties
- Guidance on how acreage affects appraisals and eligibility
What you need to qualify
- A larger down payment than most home loans, commonly 20% to 35% or more
- Good credit and documented income or assets
- Details on the property: acreage, zoning, access, utilities and intended use
- A survey, appraisal and, for some properties, environmental or soil reports
- A clear plan for how the land will be used or developed
Financing is provided through third-party lenders. Terms and eligibility vary and are subject to approval.
Who this loan is best for
Want to know more? I would be honored to assist you in achieving your goals.
ConnectOrder CreditApply NowThe process, step by step
- 1
Describe the property
Tell me about the land, location and how you plan to use it.
- 2
Choose a structure
We match you with a land, farm or construction option.
- 3
Gather documents
Provide financials, property details and any plans.
- 4
Appraisal and review
The property is appraised and the lender reviews the file.
- 5
Close
Sign your documents and start on your land.