Hobby farms are an exciting venture for people looking to explore their hobbies in an agricultural setting or try their hand at farming. Whether it’s through growing crops or owning and working with livestock, our hobby farm financing program can be your helping hand. 

While many traditional lenders cannot finance hobby farms, these farms are our speciality at United Ag Lending.

Through our personalized loan programs, we’re able to treat each hobby farmer that comes through our doors as an individual. “One-size-fits-all” in the ag industry fits no one. 

For more achievable hobby farm financing requirements, follow along with our checklist.  

Hobby Farm Requirements Checklist 

Do you have a credit score of 680 or higher? 

◻️ Yes

You meet this requirement; continue to the next question. 

◻️ No

All of our loan programs require you to have a 680 credit score. We’d be happy to help once you improve your credit score. Depending on your score, it may not be too lengthy of a process. 

Is your hobby farm in a rural area?

◻️ Yes

Great, move on to the next question. 

◻️ No

To qualify for our hobby farm loan program, it needs to be in a rural area. If you’re unsure, reach out to us. We’ll be able to assess the property. 

Is your hobby farm’s acreage 5 or greater? 

◻️ Yes

You have the right amount of acreage for our hobby farm financing requirements. You can keep going down the checklist. 

◻️ No 

We require at least 5 acres for a hobby farm.

Does your hobby farm have a house?

◻️ Yes

You meet this requirement. Move on to the next question. 

◻️ No

We require your hobby farm to have a home on it to qualify for our program. It must be a primary or secondary home. 

If your goal is to simply live in a rural area on a piece of land and not to farm, you may be a better fit for our rural residential loan program

Do you meet all the hobby farm financing requirements?

If you answered “yes” to all the questions, our expert hobby farm lenders want to hear from you. 

Send us a message or call us to set up a consultation. 

Hobby farms we’ve financed 

  • Bee farms
  • Berry farms 
  • Chicken farms 
  • Vineyard farms
  • Equestrian farms
  • And many more

If your type of farm isn’t on this list, it doesn’t mean we don’t have a program for you. At United Ag Lending, our programs are customized and flexible to meet hobby farmers’ different niches. 

Below you’ll find the numerous benefits of our hobby farm mortgage program. 

Program benefits 

  • Make an income (If not sole income)
  • House up to 50 head of livestock on the land
  • Own multiple parcels of land and parcels within reasonable proximity 
  • Explore loans up to $2 million with Schedule F (Farm) income allowed
  • Fixed 15- and 30-year terms available
  • Have a home with up to 160 acres (more allowed on a case-by-case basis)
  • Ag-Exempt property allowed 
  • Purchase, rate/term, and cash out refinances to pay off:
    • Debt
    • Home or land improvements
    • Or serve as cash in hand
  • Consolidate land and construction loans into a permanent mortgage loan
  • Primary homes or secondary homes capability 
  • Land value can exceed 30% of appraised value
  • Dwelling value only requires to be 25% of value (lower allowed on a case-by-case basis)
  • Have a horse facility with indoor/outdoor arena with no limitation on horse stables
  • Have shed homes, barndominium with typical living quarters, log homes and multiple homes on your property

Now you’re ready for hobby farm financing with United Ag Lending

We want to see your hobby farm come to life. Tell us your vision so we can get to work on creating your program.

Send us a message or give us a call.  

States we serve for hobby farming:

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, Wyoming.