FAQ

We’d love to speak, chat, email, or meet with you face to face. You can call us Monday-Friday 8 am-6 pm EST or 8 am-5 pm MST. Feel free to call on the weekend, but know that we have limited staff during that time. We do our best to return calls that day. You can also reach us by messaging info@unitedaglending.com. 

Yes! Call one of our team members at 888-204-9430 and they’ll be happy to walk you through the paperwork. Keep in mind, not all sections of the application will apply to everyone. 

Yes, we do have a minimum credit score requirement of 680. However, on our Land and Ag loan, we only require a 680 credit score from one of the three credit bureaus that report. This is not common upon Home lending, as the middle score of the three bureaus would be used. On our Ag and Land loans, we can use your high score of the three to qualify our borrowers. 

Yes, we have loan scenario to obtain line of credit that can be used for operating farm, purchase of equipment and purchase of livestock.  

YES, we can finance multiple parcels of land and they don’t have to be contiguous to do so. This can be done on properties that have homes on it as well. 

We can still finance the property as a second home. We offer financing on homes with land as primary residence and as second home. Knowing not all our clients can live outside of the city full time on acreage but still want to know they can still purchase the property as their second home. 

United Ag is based in Overland Park KS & Kansas City, MO. However, we obtain financing for our clients all over the country. Currently, hobby farm loans are done in 22 states, however, while commercial loans are in many more states. 

At United Ag Lending we offer many different loan programs to fit our client’s goals; from a minimum five-acres of bare land and up, to full-time farms, and even for those that want home and land with the land going up to 160 acres plus. So, if you’re looking to buy land as a future home site, buy an existing farm or refinance your farm or even finance a home with farming on it or bare land, we have a program that will fit your needs. 

We can financing on land and farm loans up to 30 years fixed rate loan with no early payoff penalty. We also offer many other loan terms to fit your goals and needs with financing. Anything from a one year arm up to a 10 year arm, and many fixed rate options up to the 30 years.

Yes, we can finance properties with up to 3 homes/dwellings on them as long as the primary home is not manufactured. The other homes, that are not the primary dwelling, can be manufactured homes. If the homes are rented out, we can even use a portion of the rental income to qualify the borrower for financing (with proper documentation). 

We’d love to speak, chat, email, or meet with you face to face. You can call us Monday-Friday 8 am-6 pm EST or 8 am-5 pm MST. Feel free to call on the weekend, but know that we have limited staff during that time. We do our best to return calls that day. You can also reach us by messaging info@unitedaglending.com. 

YES, we can finance multiple parcels of land and they don’t have to be contiguous to do so. This can be done on properties that have homes on it as well. 

Yes, we have loan scenario to obtain line of credit that can be used for operating farm, purchase of equipment and purchase of livestock.  

Yes! Call one of our team members at 888-204-9430 and they’ll be happy to walk you through the paperwork. Keep in mind, not all sections of the application will apply to everyone. 

Yes, we do have a minimum credit score requirement of 680. However, on our Land and Ag loan, we only require a 680 credit score from one of the three credit bureaus that report. This is not common upon Home lending, as the middle score of the three bureaus would be used. On our Ag and Land loans, we can use your high score of the three to qualify our borrowers. 

We can still finance the property as a second home. We offer financing on homes with land as primary residence and as second home. Knowing not all our clients can live outside of the city full time on acreage but still want to know they can still purchase the property as their second home.