With more borrowers seeking affordable paths to rural living, hobby farm financing has expanded to meet that demand. Whether it’s a few acres, a garden, or a handful of animals, today’s borrowers are pairing their hobby farms with manufactured homes.
At United Ag Lending, we offer versatile, streamlined financing options that traditional lenders often lack.
What counts as a hobby farm?
A hobby farm is a rural property with at least 5 acres used for agricultural purposes, such as gardening, raising chickens, or caring for horses. These properties serve as primary or secondary homes and may generate some income. Full-scale commercial operations are distinct from hobby farms and covered by a different loan program.
Manufactured Homes on Hobby Farms: What Loan Officers Need to Know
Many rural buyers turn to manufactured homes as an affordable way to establish their hobby farms. These homes can absolutely qualify for hobby farm financing if they meet the following key requirements:
- Placed on a permanent foundation
- Adheres to zoning standards
- Titled as real property
Through us, your borrowers can finance properties with anywhere from 5 to 160+ acres, even if the land value outweighs the home value. These loans support both primary and secondary homes, up to 50 head of livestock, barns, arenas, and even multi-parcel properties.
With 15- and 30-year fixed options, cash-out refinancing, and the ability to roll in construction or land costs, this program works for a wide variety of clients. Hobby farm financing gives your clients the flexibility to build the rural life they’ve been dreaming of without giving up affordability.
Expand Your Reach With Hobby Farm Financing
Manufactured homes are making rural lifestyles more attainable than ever. By leveraging our support team, you can help clients secure land, space, and freedom without having to start a full farming operation.
Partner with United Ag Lending—one of the only hobby farm lenders in the country you can truly rely on.
Not ready to commit just yet? Take the first step online without any obligations by using our Property Qualification Tool.
