Farm Loans
United Ag Lending
Specialized Loan Services for Agribusiness, Farming, Hobby Farms & Rural Residential. Proudly financing property of all sizes and types.
If one thing’s for sure about the agricultural industry, it’s that it was built to bend. Many traditional lenders’ specialities lie in mortgages or business rather than the ag industry. This makes it near impossible for their one-size-fits-all loan programs to work for farmers and rural homeowners.
As a premiere agricultural lender with knowledge and expertise in the industry, we are able to offer farmers and homeowners more customizable, creative financing solutions for rural residential loans, hobby farm loans, commercial farm loans, and agricultural land loans.
Our variety of lending programs are perfectly suited to the needs of agribusiness landowners, hobby farmers, and those wanting land for recreational use. So no, you don’t have to be a farmer to receive financing. Whether you want to live off the crops on your land, live in a home in the mountains, or combine your workshop and living space inside a shed home—we’ve got you covered.
Uniting People with Possibilities
Agricultural lending is a specialized service. You need a lender who understands your needs and has the experience to help you navigate a rapidly changing economy. The first step of our process is a consultation; this allows us to learn more about your needs and how we can meet them.
The point is: at United Ag Lending, we’ll meet you where you’re at. Whether you’re at the beginning of your journey or you fall somewhere in the middle, our financing is here to accommodate you. So if you haven’t found your perfect property yet, don’t sweat it—we’ll be here when you need us.
Rural property financing and helping our customers achieve their long-term goals is what motivates us at United Ag Lending. We work hard to find the best loans for your specific goals and dreams. With a variety of farm loans, rural residential loans, and low interest options, you can buy real estate to pursue the life you’ve always wanted.
FREQUENTLY ASKED QUESTIONS
Applying for farm loans of any kind can feel overwhelming. But it doesn’t have to be. Get insight into some industry terms with our glossary or get answers to some frequently asked questions below.
Are United Ag Lending Loans for farmers only?
No! United Ag Lending has several different loan programs to fit many different scenarios. We can finance home with land, bare land, and full-time farm loans. So if you’re looking for country style living with a home and acreage that you can farm or just want to live outside the city, we can help you. If you have bare land for future farming, we can help you! If you’re a full-time farmer with a dairy farm, vineyard, poultry farm, tree farm, avocado farm, and many others, we can help you!
What is the best United Ag Lending program for me?
No two pieces of land or personal circumstances are the same. We evaluate your specific scenario to match you with the perfect loan program for your needs. Our team of trusted advisors uses our expertise and years of experience to customize your loan solution.
Which program does my property qualify for?
So if you’re looking to buy land, buy an existing farm, or refinance your existing property, we have a program that will fit your needs.
Do you have a minimum credit score requirement?
How long are your terms for financing land?
We can finance land and farm loans up to 30 years fixed-rate with no early payoff penalty. We also offer many other loan terms, including ARMs, to fit your goals and financing needs.
Can I combine multiple parcels of land into one loan?
Yes, we can finance multiple parcels of land together, whether they are contiguous or not. This can be done through our commercial farm loan program, hobby farm loan program, or through our residential home loan program.
Can United Ag Lending provide loans for construction, operations, equipment, or livestock?
No. We don’t offer loans for construction, farming operations, equipment, or livestock.
Where is United Ag Lending located and where do you make loans?
United Ag Lending is based in Overland Park, Kansas. However, we obtain financing for our customers all over the country. Currently we offer hobby farm and commercial loans in over 29 states!
Commercial Agriculture and Farm Loans
We can never say it enough: no two farming operations are the same, so no two commercial farm loans should be the same. We finance all kinds of industries, such as dairy farms, nurseries, vineyards and orchards, commercial horse properties, commercial crops like wheat and cotton—the list goes on. Our commercial farm loans can help you support your farming business goals.
Looking to buy additional land to expand your operation, increase your farm capital, or consolidate loans? We can help! Our commercial farm loans offer farmers the agriculture financing needed to expand and keep their businesses running.
With a variety of commercial farm loans to choose from—including 30-year fixed-rate loans, adjustable rate loans, cross collaterolization, and more—we can meet your financial needs so you can expand your business.
Requirements checklist
- Minimum loan amount of $500K
- 680 minimum credit score
- Property is 10+ acres
Learn more about the commercial farm loan program.
Commercial Loans
United Ag Lending’s commercial farm loans are flexible and have the capacity to meet a wide range of agricultural needs. This is something we’re proud to offer our clients across the country.
If you need a certain number of acres or specific geographical amenities, our commercial farm and agriculture loans can help you find the right solution.
Some benefits of our commercial farm loans include:
- Loans targeting different industries like logging and forestry, nurseries, orchards, vineyards, dairies, ranches, cattle, and more
- Fixed-rate and adjustable loans up to 30 years with no prepayment penalty or short-term adjustable products
- Monthly, annual, or semiannual payment options
Land Loans
Getting a farm land loan can be a tricky process, but it doesn’t have to feel impossible. By financing with United Ag Lending, you’ll know exactly what you need to secure your land. When providing land financing, the key characteristics we look at include land use and the location.
We’ll need to know what your plans for the land are and ensure that it’s located in a rural area. We are often asked: does the land have to be used commercially? The answer is no—commercial farm loans are a lot of what we do, but the land can be used for non-money-making purposes as well.
Requirements checklist
- Property is agricultural in nature
- Property is a minimum of 10 acres
- Your credit score is 680+
Hobby Farm Loans
Our hobby farm loans are about saying “yes” to your goal of having your ideal hobby farm. Many banks or lenders might reject hobby farm loans due to the property being zoned as AG Schedule F (Farm) income or a variety of other factors, but that’s not the case with United Ag Lending.
Our hobby farm loans program fits all of these situations and more. We’ve specifically designed our loans for properties that fall outside of the traditional hobby farm guidelines.
We welcome hobby farms with indoor and outdoor horse arenas with no set limit of horse stalls, vineyards, multiple dwellings on the property, and many other attributes.
Requirements checklist
- Property is agricultural in nature
- Property is a minimum of 5 acres
- 680 minimum credit score
- Land has a pre-existing home on it, serving as your primary or secondary residence
Learn more about the hobby farm loan program.
Hobby farms
This program helps put you on a positive trajectory. Working with United Ag Lending for hobby farm loans can benefit you with the following highlights:
- Dwellings with up to 160 acres with more acreage allowed on a case-by-case basis
- Loans can be offered up to $2 million with Schedule F (Farm) income allowed
- Land value can exceed 30% of appraised value, which is something that other lenders don’t allow
- 50 heads of livestock or less are acceptable on the land
To learn more about what our hobby farm loans focus on, take a look at our program highlights or speak to a member of our team!
Rural Residential Loans
Our rural residential program can make your dream of living on your own secluded land a reality. Regardless of if you’re a first time rural home buyer or you’ve lived in the country your whole life, our rural loan programs can extend to meet your rural residential needs!
With an emphasis on rural residential properties, we’ve tailored this program specifically for non-commercial use.
The benefits of living the country lifestyle are nearly endless, and we’re excited to help you experience those benefits at United Ag Lending.
Requirements checklist
- Property is in a rural area
- Property is a minimum of 5 acres
- 680 minimum credit score
- Land has a pre-existing home on it, serving as your primary or secondary residence
Learn more about the rural home loans program.
Rural Residential
These benefits can include:
- Fixed-rate 15- and 30-year loans with low rates available
- Agricultural properties allowed but not required
- Purchase, refinance, and cash out loans offered for qualified applicants
- Owner-occupied and second homes allowed
- Barndominiums, shed homes and shop homes allowed
- 5 to 160 acres (home value only required to be at least 30% of overall value)
- Homes with pasture land and tillable acreage
- Schedule F (Farm) income allowed
If you’d like to explore our commercial property loans instead, we have a competitive commercial program to satisfy your expectations.
Get Started
The process is quick and easy.
Answer a few quick questions and we’ll determine which loan program is perfect for you!
From our Customers
Justin From Missouri
Anthony and his team were awesome. We were under some tight deadlines and we had our fair share of implements in our way to achieve our close date. But United Ag was in constant communication every step of the way. I probably wouldn’t be writing this review from my new home had I work with another lender. I wish I could give more than 5 stars on this rating.
Justin From Missouri
Anthony and his team were awesome. We were under some tight deadlines and we had our fair share of implements in our way to achieve our close date. But United Ag was in constant communication every step of the way. I probably wouldn’t be writing this review from my new home had I work with another lender. I wish I could give more than 5 stars on this rating.
Renei From Washington
I cannot stress enough the ease and reassurance of working with the team at United Ag Lending. I have worked with them on both a purchase and, more recently, a refinance, and I am very confident in recommending them. My United Ag rep, Anthony, was able to help simplify issues for my 63yr old ranching father who struggles with technology, but also keep the process simple and streamlined for us in both the purchase and the refinance. I highly recommend and often do, Anthony Mesh and his team for any land loan needs.
Renei From Washington
I cannot stress enough the ease and reassurance of working with the team at United Ag Lending. I have worked with them on both a purchase and, more recently, a refinance, and I am very confident in recommending them. My United Ag rep, Anthony, was able to help simplify issues for my 63yr old ranching father who struggles with technology, but also keep the process simple and streamlined for us in both the purchase and the refinance. I highly recommend and often do, Anthony Mesh and his team for any land loan needs.
Ben From Kansas
Anthony and everyone United Ag were great to work with in making our first ag purchase. Everything was completely explained and all our questions were answered in a timely and professional manner. We were very comfortable and pleased while working through our purchase.
Ben From Kansas
Anthony and everyone United Ag were great to work with in making our first ag purchase. Everything was completely explained and all our questions were answered in a timely and professional manner. We were very comfortable and pleased while working through our purchase.