Our Programs
United AG Lending Programs
Specialized Loan Services for Agribusiness, Farming, Hobby Farms & Rural Residential. Proudly financing property of all sizes and types.
United Ag Lending programs have changed the game for serving loan officers in the mortgage industry. As a premiere non-bank lender, we have the flexibility with loan products and terms to offer your clients competitive financing options. Our variety of lending programs are perfectly suited to the needs of a land owner of agribusiness. United Ag Lending bridges the gap between your customers and the rapidly changing economy. Explore our programs to see all the ways we can help you find land for your clients to call their own.
- Vineyards
- Dairy Farms
- Cattle, Bison, and Hog Farms
- Avocado Farms, Almond Farms
- Wheat, Hay, and Corn Farms
- Orange Groves, Blueberry Farms, Soybean Farms
Our Programs
Our variety of lending programs are suited to the needs of agribusiness landowners, hobby farmers, and those who want to purchase land for recreational use.
The Financial Challenges That Rural Americans Face
We recognize that purchasing property in rural areas often comes with its own set of hurdles—whether it’s limited access to financing, understanding complex zoning regulations, or navigating the intricacies of agricultural loans. As a rural wholesale mortgage lender, our expertise allows us to provide tailored solutions that meet the specific needs of your clients.
In a rapidly changing financial landscape, we remain committed to being a reliable partner for rural communities. Our mission is to help loan officers support their clients in turning their land and property dreams into reality, fostering growth and sustainability in the areas we serve.
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Navigating local zoning laws can be complex, and some rural areas may have restrictive regulations that affect how land can be used, impacting your clients’ plans for farming.
We can help you and your clients carefully review the permitted uses under the current zoning classification. For example, agricultural land might allow for farming but prohibit commercial activities like agritourism or retail sales. It’s important to keep in mind your clients’ short- and long-term goals for a property.
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The inventory of available properties can be lower in rural areas, making it harder for buyers to find suitable options that meet their needs.
With fewer listings due to lower population density, finding homes that meet specific needs can be tough. This scarcity often leads to increased competition when suitable properties do come on the market, driving prices up and pushing buyers to make quick decisions, which can result in overlooking important factors.
The search process can take much longer compared to urban environments, requiring buyers to travel considerable distances to view properties, adding to their frustration. Leaning on an expert rural wholesale mortgage lender can help you provide your clients with the best options.
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Many rural properties may lack access to essential services such as reliable internet, utilities, and roads. This can affect both livability and the potential for future development.
For clients who are looking to develop or expand their properties, inadequate road infrastructure can present significant challenges. They may need to invest in improving or building access roads, which can cause delays in development projects.
As an experienced rural wholesale mortgage lender, United Ag Lending can help you advise your clients on everything they need to consider when selecting a property.
Offer Your Clients More Through United Ag Lending
Our relationship with our partners is a two-way street: you bring us your customers’ interests, and we’ll do our part to deliver the best solutions. We understand that customer trust is vital in this business. Our team is more than willing to extend a helping hand and help your business thrive through our loan programs.
As a rural wholesale mortgage lender, we provide a robust range of agricultural real estate loans, including options for commercial agriculture, hobby farms, and rural residential properties.
We’re always eager to expand our partnerships , and we’d love for you to give us a try! Whatever your goals are as a lender, broker, or bank, we’re here to help your business grow.
Here are helpful tips and things to keep in mind that you can share with your clients about picking their rural properties.
If your clients are planning to use their land commercially or agriculturally in any facet, part of preparing for their loan is making sure the land has all the resources it needs to support their plans.
Understanding zoning regulations and land use permits is essential. Clients must ensure their intended use aligns with local laws and obtain any necessary approvals before moving forward with their plans.
Depending on the planned use, owners may need permits for activities like farming, building, or operating a business.
- Stocking Rate
The stocking rate is the number of animals a piece of land can support without causing harm. Determining the right stocking rate is crucial to avoid overgrazing, which can damage the land and hurt the health of the livestock. - Quality of Pasture
Livestock requires a balanced diet, which often includes access to quality forage. Insufficient grazing land can lead to overgrazing, where the animals eat the grass down to the roots, preventing it from regrowing and ultimately degrading the pasture. More than that, different types of livestock may have varying nutritional needs. For example, cattle might require more extensive grazing land compared to sheep or goats. Ensuring that the land can support diverse forage options can help meet these needs. - Water Source Availability
In addition to forage, it’s important to consider where livestock will be able to access water, as well as to evaluate the quality and reliability of water sources on a potential property. Natural sources, such as ponds or streams, should be assessed for contamination risks, while artificial sources, like troughs or tanks, need regular maintenance to ensure cleanliness and accessibility. - Local Regulations
Clients should also be aware of local zoning laws and land use regulations that may affect their ability to keep livestock. Ensuring compliance with these regulations supports the long-term success of their farming operation. - Long-Term Sustainability
Sustainable grazing practices can improve water retention in the soil and enhance nutrient cycling, which can lead to healthier pastures over time, promoting the viability of the farming operation. Clients should consider their long-term goals when assessing grazing land. If they plan to expand their livestock operations, having adequate acreage from the start can prevent future challenges related to land availability. - Environment Assessment
These are often a necessary step for rural properties. As a rural wholesale mortgage lender, we’re familiar with helping our partners assist their clients in this process. A thorough environmental assessment is essential for understanding the environmental health of a rural property. It helps buyers make informed decisions, ensures compliance with regulations, and promotes sustainable land use practices.
A physical site inspection is a crucial step in the environmental assessment process, providing a hands-on evaluation of the property’s condition. Assessors will examine the topography, drainage patterns, and vegetation.
Understanding the natural layout of the land can help identify areas prone to flooding or erosion, which can impact where crops can be grown.
Taking soil samples is important to analyze for contaminants like heavy metals, pesticides, or other harmful substances that could affect land use and safety. This process is a key component of environmental assessments, providing critical data that informs decisions about the health of a property.
Lending Program Details
Rural Residential Loans
Do your clients dream of wide-open spaces, acreage, and the country lifestyle, but get stuck navigating rigid conventional mortgage rules? Our wholesale rural residential program can help you deliver financing options for properties that traditional lenders often overlook.
Whether it’s a single-family home with acreage, outbuildings, livestock, or unconventional income sources like farming or remote work, our program offers more flexible qualification standards to help you approve more loans and expand your client base.
From first-time buyers to retirees seeking a rural lifestyle, we make it easier for you to meet demand and close deals that other lenders can’t.
Single-Family Home
Our wholesale rural residential loans often have more lenient qualification requirements compared to traditional mortgages. This accessibility makes them ideal for clients with non-traditional income, such as farmers, ranchers, or remote workers.
Whether you’re helping a first-time buyer or someone relocating for a lifestyle change, these financing options enable your clients to achieve homeownership in rural markets underserved by traditional lenders.