California offers diverse microclimates with plenty of sunlight and an extended growing season. The rich soil provides acreage to plant crops and fertile opportunities to grow dreams.
With a hobby farm loan in California from United Ag Lending, your client may secure California acreage financing for both small-scale homesteading and specialized farming. We understand what bank lenders don’t: hobby farmers may not make a good living from the land, but that land makes living good.
Partner with us to widen this lucrative market pipeline, and read our short blog on the advantages of working with a lender who focuses solely on agricultural lending.
United Ag Lending Understands Hobby Farming
Each borrower’s dream hobby farm is one-of-a-kind. From a vineyard on the North coast, to a horse farm in the Central Valley, to a working second-home getaway in the Sierra foothills, each property is as unique as its owner.
United Ag Lending takes the time to fully understand your borrower’s goals, along with their current fiscal situation. We use this information to create a one-of-a-kind loan program that matches their plans, and we share the full details with you, or with you and your borrower.
Helping You and Your Client
The advantages of working with United Ag Lending for hobby farm financing include:
- Fixed 15-year and 30-year terms available
- Schedule F income flexibility
- Land values can exceed 30% of appraised value
- 25% dwelling valuation (lower allowed on a case-by-case basis)
The application process for a hobby farm can be tricky. We work with loan officers to keep the financial aspects of hobby farming from deterring the overall dream.
Related topic: Your Premier Source for Farm Land Loans
Answers to California-Centric Questions
United Ag Lending works with loan officers across the country. Because we specialize in hobby farm mortgages, we have full knowledge of California rural homeownership requirements.
Can I get hobby farm financing in California with Schedule F income?
Yes, you can get a hobby farm loan in California while earning Schedule F income. We can help you navigate the paperwork for your clients to secure the best loan.
What does my client need to bring to the consultation?
Our consultation works as an introduction to both us and the process. Their goals and plans are the most important part of securing hobby farm financing, and knowing that allows us to curate loan possibilities. This consultation time includes going over:
- Their qualifications and financial abilities
- The purpose for the land
- Our loan programs
We always look forward to hearing about their rural land dreams, and discovering how we can help them come true.
Make Us Your Partner for Their Passion
We’re here to help loan officers pre-qualify borrowers and submit scenarios confidently. Explore the United Ag Lending Loan Tool and discover how we help you diversify your pipeline and deliver success for your borrowers.
