Agricultural Wholesale Mortgage Lender

United Ag Lending’s commercial farm loans are flexible, meeting a wide range of agricultural needs. This is something we’re proud to offer your clients across the country.

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 crop farming, logging and forestry, nurseries, orchards, vineyards, dairies, ranches, cattle, and more
• Fixed-rate and adjustable loans up to 30 years with no prepayment penalty Monthly, quarterly, semi-annual, or annual payment options

Land Loans

Getting a farm land loan can be a tricky process, but it doesn’t have to feel impossible. Working with United Ag Lending, you’ll know exactly what you need to help your clients secure their land.

When providing land financing, the key characteristics to look at include land use and the location. You’ll need to know what the 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. We do a lot of commercial farm loans, 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

Getting a farm land loan can be a tricky process, but it doesn’t have to feel impossible. Working with United Ag Lending, you’ll know exactly what you need to help your clients secure their land.

When providing land financing, the key characteristics to look at include land use and the location. You’ll need to know what the 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, yes. 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 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.

Working with United Ag Lending for hobby farm loans can benefit your clients 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

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 works for your clients looking to make dreams of living in the country a reality. They could be a first-time rural home buyer or have lived in the country their whole life. Our rural loan programs can extend to meet any 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. We’re excited to help your clients 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.

Our rural residential program 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 as well.

Agricultural Lending

Agricultural properties can create financing questions that don’t come up in a conventional mortgage file. Acreage, land use, farm income, outbuildings, and property usage can all affect which program makes sense. Ag lending benefits from experience with agricultural real estate and how people live, work, and earn income on the land.

United Ag Lending helps brokers, lenders, and banks work through these scenarios without requiring them to become agricultural financing experts. We look at the property and your client’s goals. Then we explain the options that may apply and help you understand what’s needed to move forward. Our programs cover commercial agricultural operations as well as hobby farms, ranches, recreational land, and other rural property types.

Expanding Your Client’s Choices

Adding ag lending your clients’ choices can help you keep relationships that might otherwise leave your business. A borrower looking for a farm, rural property, or specialized piece of land may already trust your financing guidance. Having a resource for those less conventional scenarios gives you another way to continue serving them.

You also don’t have to wait until you have a complete file. If you’re unsure whether a property qualifies, talk with United Ag Lending early. We can help you identify the relevant questions early. This way you don’t try to fit an agricultural deal into a program that’s not designed for it. A clearer path for the borrower makes ag lending a useful and lucrative addition to your business.