Farm, Rural Residential, and Commercial Ag Loans

Some properties look like a home with land, but the actual use is much closer to a small business. Other properties are just a rural residential home, but dont quite fit conventional rules. That is where this program comes in. We offer both residential style farm loans and full ag and ranch commercial loans, including programs through specialty investors like Farmer Mac.

Fast facts

• Typical minimum credit score: Varies by program.
• Typical down payment: Often higher than a standard residential mortgage, depends on use and property type.
• Property types: Working farms, ranches, equestrian setups, vineyards, and similar.
• Manufactured homes: We allow moved manufactured homes, and pre 1976 homes as long as they are on 5 acres or more.
• Rate types and terms: A mix of fixed and adjustable rate options and different term lengths. We match the structure to your plans and the way the property operates.

Best fit for you if

• You have cattle, horses, vines, or crop operations that are too active for a normal suburban loan.
• You want to buy large acreage that traditional lenders struggle to fit.
• You are being told “you have to use this one bank” and you want real options.

Big perks

• We can often try conventional first, and only move to farm and ag loans if needed.
• Access to specialty ag programs that recognize the operation’s income.
• Options for full operational wineries, vineyards, and ranches.

Keep in mind

• These loans are very scenario specific, so a quick call with acreage, operations, and goals goes a long way.
• Terms may look different than a plain 30 year residential loan.
• Many borrowers are surprised how flexible some of the newer ag programs are compared with the one local option they hear about.