Do you have clients who have spent years dreaming of country living? That wide, green expanse and clean, clear sky aren’t as unattainable as they might think. From rural residencies to commercial farming, if you’re a loan officer serving the agricultural community, partnering with United Ag Lending is the best thing you can do for your clients.
When it comes to wholesale ag financing for mortgage brokers, it’s hard to beat the resources and products that we provide. With our help, you can learn more about agricultural financing opportunities and services, as well as get started making your client’s dream a reality.
The Unique Value of United Ag Lending
With a diverse selection of wholesale agricultural real estate loans, United Ag Lending stands out from the competition. Most wholesale lenders don’t provide rural mortgage products for commercial farms, hobby farms, or rural residential dwellings. Our in-depth knowledge of the agriculture industry enables us to structure loan products that satisfy you and your client.
Even if you’re new to them, agricultural real estate loans present significant opportunities worth exploring. Commercial farming, for instance, is the backbone of our food supply and a driving factor in the economy. Even as the farming industry evolves, its importance will remain. Our expertise in this area can help you unlock its profitable potential.
Unlocking New Opportunities for You
Let’s delve deeper into the benefits you, as a broker, can provide your clients by partnering with us—a leading wholesale agricultural real estate lender.
Expand Your Portfolio
Partnering with United Ag Lending gives you access to unique, customizable loan products unavailable through traditional lenders. Having more knowledge and a wider array of offerings doesn’t cost you anything, but it significantly benefits your clients. Our unparalleled loan products offer you the chance to corner an entirely new market.
Build Client Relationships
Many people interested in moving to the countryside or seeking farm land are passionate about their goals. From new homes to large business ventures, your help can have a significant influence on their lives. By making your clients’ dreams come true, you build stronger customer relationships and encourage referrals.
Streamline Loan Processing
As a wholesale lender providing ag financing for mortgage brokers, United Ag Lending specializes exclusively in agricultural loans, making our team invaluable for processing these types of loans. We make agricultural financing easy with user-friendly resources and a simplified loan process.
Boost Loan Approval Rates
Wholesale lenders focusing on agriculture can approve loans for properties that other lenders might reject. Our understanding of rural property allows us to assess your client’s needs beyond standard metrics. By catering to agriculture-specific projects, including non-traditional and recreational pursuits, we can improve your loan approval rates.
Market Insights: The Profitability of Agricultural Property Lending
Opening yourself up to agricultural financing also means opening yourself up to increased profits. Based on the market’s size, growth trends, and more, there are significant opportunities to seize in the rural real estate industry.
Market Size and Growth
In 2022, farm real estate constituted the vast majority of U.S. farm assets, totaling $3.18 trillion, or 82.8% of the total value. While it varies by region, the last few years have seen promising value appreciation due to the growing demand for rural living and agribusiness expansion. In fact, rural populations have been on the rise, and rural poverty has been declining.
The Land Values 2023 Summary report details a 7.4% increase following 2022’s already record-breaking rise. This annual report shows good overall health for the agricultural economy. However, it also highlights a challenge for farmers, as they need more funds to begin or expand their operations. Consequently, the demand for favorable loan options is constantly growing.
Untapped Profit Potential
Rural properties are in demand, but traditional wholesale lenders aren’t equipped for them. You can capitalize on this gap and differentiate your services as a broker, lender, or bank. And as a wholesale lender offering ag financing for mortgage brokers, we’re more than happy to help you do it!
Meeting Diverse Client Needs
Our agricultural real estate loan products serve a variety of needs. Whether your client just wants to get away from the hassle of city living or intends to erect a large-scale commercial farming operation, we have customizable options for them.
Commercial Farming Loans
If you have clients who are interested in starting or expanding a commercial agriculture endeavor, we’re the team for you. We understand that every operation is unique and tailor our loans to meet every client where they’re at. Our commercial farming loans accommodate many different industries, including:
- Cattle
- Ranches
- Dairies
- Vineyards
- Orchards
- Nurseries
- Forestry
- Logging
- And more
United Ag Lending’s commercial farm loans can be up to 30 years with no prepayment penalty or we also offer adjustable rate products. With payment options ranging from monthly to semi-annual, you’ll find we offer superior financing flexibility.
Hobby Farm Loans
From vineyards to equestrian facilities, hobby farm loans support small-scale farmers who are pursuing their passions. At United Ag Lending, we’re enthusiastic about helping your clients bring their hobby farm visions to life. Our hobby farm loans stand apart from other options, allowing your client to:
- Make an income from hobby farming
- House up to 50 heads of livestock
- Own multiple parcels of land
- Explore loans up to $2 million with Schedule F (Farm) income permitted
These opportunities represent just the tip of the iceberg in terms of what’s possible for your clients using our ag financing for mortgage brokers.
Rural Residential Loans
This loan is perfect for clients looking to buy rural land with a house already on it. Rural residential loans provide financing for homes on 5+ acres, accommodating unique properties, such as barndominiums and outbuildings. These loans offer fixed-rate 15- and 30-year loans.
Our rural home loans are a key component in helping your clients achieve their homeownership dreams. We aim to be a flexible tool that operates on your behalf, not the other way around.
Refinancing Solutions
Refinancing doesn’t have to be a stressful experience. As a wholesale lender providing ag financing for mortgage brokers, we offer seamless refinancing solutions that benefit both you and your clients. Our team will work alongside you to assist your client in refinancing debt or consolidating loans, aiming to lower monthly payments and ensure a stress-free experience.
Customers who could benefit from our farm loan refinancing services include those who:
- Need a loan to address current agricultural debt.
- Require a lower monthly cost on a mortgage for a rural property.
- Want to reduce the loan term on their hobby farm.
- Want to refinance agricultural business loans to boost profitability.
Hear from Our Lending Partners
We at United Ag Lending are grateful for these individuals who have taken the time to express their appreciation for us.
“My experience with Kent Hackman at United Ag Lending was absolutely awesome! Kent helped guide me and my assistant through their process and answered my many questions along the way. He helped me look good in front of my clients during my first Ag loan. The experience actually resulted in me diving in and laying groundwork to do more Ag loan business. I highly recommended Kent and United Ag Lending!”
Constance Lazzeroni
“I was in a pickle trying to figure out how to help a client buy a house on a 70+ acre rural property. I searched high and low and got many “maybe’s” from Account Executives. I was referred to Kent and United Ag by Allison Thenhaus, and within minutes of me explaining the scenario, he gave me confidence they can get it done with ease. Kent’s follow up was extremely helpful, and at the end of the day, we got the deal done painlessly. I’d highly recommend Kent and United Ag.”
JP Dennis
“I worked with Kent and his team on a purchase with acreage and could not have had a better experience. His team was always responsive, and they answered all my questions quickly. The loan was smooth sailing, and we were ready to close early. The realtors and buyers were very happy. I am now working with the listing agent and the buyer’s agent as a result. Thanks Kent and team for doing such a great job!”
Ann Geske
Start Growing Your Business & Their Dreams with United Ag Lending
When you partner with United Ag Lending, you’ll gain access to tailored loan solutions that are unavailable anywhere else. Our educational resources and streamlined process will give your clients the tools they need to pursue their dreams in leading states, such as California, Oregon, and Georgia. Gaining more client opportunities and knowledge will empower you to transform your business prospects as a broker, bank, or lender.
Take the next step toward supporting the agricultural community while scaling your business by getting in touch with us to receive ag financing for mortgage brokers.
You can also get started by filling out our loan planning tool. Simply tell us about your situation, and we’ll prepare a custom lending solution tailored to your needs.
United Ag Lending’s TPO Licensed States: Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and Wyoming
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