United Ag Lending is excited to partner nationwide with brokers, banks, and mortgage lenders.
Our team provides unique wholesale mortgage products for diverse agricultural clients looking to expand or start a business, or embrace the rural lifestyle.
Continue reading our partnership guide to discover how we help loan officers who want to become a farm loan wholesale partner book new business with our loan products.
Why We Are a Reliable Farm Loan Wholesale Partner
Since United Ag Lending’s start, we’ve served as trustworthy lending partners for mortgage lenders, banks, and brokers who want to retain and gain:
- Clients who wish to start an agricultural business.
- Customers who want to build on to an established farming company.
- Buyers who want to purchase rural real estate that may or may not have property they will use for a small-scale farming hobby.
Our Lending Process
Loan officers who choose us as their farm loan wholesale partner can offer their clients the opportunity to undergo our smooth, organized financing process. The following is our simple loan application process, designed to ensure we don’t take too much of your or your client’s time:
Step 1: Consultation
During our consultation, you and our account executive (AE) will discuss whether your client is a good match for our loan program and determine which programs could meet their needs.
Generally, your customers who can fulfill the following requirements are best suited for our offerings:
- 680 minimum credit score.
- Ready to purchase rural property.
- Interest in property that meets our loan amount and land size stipulations.
Common Loan Program Questions
One way we’ll determine if our programs are suitable for your client’s needs is through asking the following questions:
- What type of agricultural project is your client interested in starting or expanding? Is it commercial or private?
- Does your customer want to make money on their farming operation?
- If your buyer wants to purchase rural real estate, do they plan to use it as their primary or secondary home?
- What loan amount does your customer need?
- What’s your client’s overall plan?
Step 2: Recommendations
After reviewing your customers’ needs, we will recommend a loan program and answer their questions.
Step 3: Loan Application
United Ag Lending’s loan application process is clear and quick, especially if your customer has the following information ready for us to review:
- Driver’s license or government ID
- Pay stubs
- Asset information (retirement accounts, stocks, etc.)
- Tax returns (2 to 3 years)
- Bank statements (most recent up to the previous 2 months)
We’re happy to answer any questions you or your client have during the application process and while the application is in review.
We Also Serve as an Ongoing Resource
Our team values direct communication and understands consistency is essential to a smooth lending process.
You and your customer can contact our team whenever you need to, even if that’s after the loan closing.
Our Wholesale Loan Programs
The following are the 4 programs we offer those who choose to become a farm loan wholesale partner:
Wholesale Hobby Farm Loan
This unique loan program is for buyers who want to purchase rural property with an existing home. The home can serve as their primary or secondary residence and be the site of a small-scale farming operation. Your buyer can choose to make money from their farming hobby.
Wholesale Rural Real Estate Loan Program
Our rural property loan program is perfect for people who want to buy a home in a country setting. This loan product is for financing existing homes in rural areas, so if you have a buyer who wants to settle down outside of the city, this program can help.
Wholesale Commercial Farming Loan Program
The wholesale commercial agricultural loan program is perfect for clients who want to expand their successful farming business or start a new agricultural operation. Our team has decades of experience originating loans for farming professionals and knows the financing solutions these individuals need.
Wholesale Rural Land Loans
Our rural land loan programs are for property without an existing home (although these loans are available for property with existing structures, like sheds and outbuildings). This program is ideal for clients who want to start an agricultural company from scratch or expand their established farming business.
United Ag Lending also offers a refinancing program that can help people:
- Refinance debt
- Take cash out
- Get a shorter term on a loan
- Consolidate loans
For detailed information on all our wholesale loan programs, consult this helpful blog.
Why choose our team?
You may have other options for a farm loan wholesale partner, but you’re unlikely to find a professional with the experience and unique program options. When you choose to work with United Ag Lending, you’ll benefit in the following ways:
- We value flexibility: We understand that those who seek rural property have unique needs. We’re here to meet those needs head-on and provide simple solutions.
- Our process is straightforward: We don’t want to waste your or your client’s time, so our application process is streamlined.
- Our principles are clear: We value clear communication, consistency, and clear answers. You can trust we always have your best interests in mind.
Work With a Farm Loan Wholesale Partner Who Gets It
United Ag Lending is a powerful partner for financing rural property your clients need. Our knowledge, customer service, responsiveness, and communication skills make us an excellent resource for anyone who wants to originate a farming loan.
We are an exceptional farm loan wholesale partner skilled at taking the conventional understanding of financing rural property and turning it into a flexible solution. You can count on our business to continue expanding its offerings, bringing the opportunity to originate mortgages for agricultural real estate to more and more loan officers nationwide.
Are you interested in becoming one of our trusted lending partners? Contact us today to find out more about our loan products and services.
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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