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Our Programs

 

Hobby Farm

Rural Residential

Farm Loans

United AG Lending Programs

Specialized Loan Services for Agribusiness, Farming, Hobby Farms & Rural Residential. Proudly financing property of all sizes and types.

United Ag Lending programs are specialized loan services that have changed the game for servicing landowners in the industry. As a premiere non-bank lender, we have the flexibility with loan products and terms to offer you competitive financing options. Our variety of lending programs are perfectly suited to the needs of a land owner of agribusiness. United Ag Lending bridges the gap between our customers and the rapidly changing economy. Explore our programs to see all the ways we can help you find land to call your own.

  • Vineyards
  • Dairy Farms
  • Cattle, Bison, and Hog Farms
  • Avocado Farms, Almond Farms
  • Wheat, Hay, and Corn Farms
  • Orange Groves, Blueberry Farms, Soybean Farms

Hobby Farm Loans

Have you been told “No” by a bank or lender due to the property being zoned Ag, schedule F (Farm) income, land value, horse stalls or arenas, crops, land value, income-producing from land or any other farm or Agriculture related on your property? At United Ag Lending, we will tell you “YES!” Our Hobby Farm loan program fits all those situations and more, as it is specifically designed for properties that fall outside traditional guidelines.

We welcome properties with indoor/outdoor horse arenas, no limit of horse stalls, permanent plantings, vineyards, crops, multiple parcels, multiple homes on the property and many other loan scenarios. Our program is offered to borrowers that don’t conform to traditional financing due to acreage or farming on the land. We get these properties APPROVED and with fixed rate loan terms and NO early pay off penalties. (Land must have dwelling on it.)

Program Highlights

All allowed, but not required.

  • Home with up to 160 acres (more allowed on a case-by-case basis)
  • Ag-Exempt Properties
  • Loans up to $2 million and Schedule F (Farm) income allowed
  • Purchase, rate/term and cash out refinances to pay off debt, home or land improvements, or cash in hand
  • Consolidate land and construction loans in to permanent mortgage loan
  • Primary homes or second homes
  • Land value can exceed 30% of appraised value (other lenders don’t allow this).
  • Dwelling value only requires to be 25% of value (lower allowed on a case-by-case basis)
  • Multiple parcels allowed and parcels within reasonable proximity of each other (combine properties)
  • Farming and farm income allowed, if not sole income
  • Horse facility with indoor/outdoor arena and no limitation on horse stables
  • 50 heads of livestock or less are acceptable
  • Shed homes, Barndaminium with typical living quarters, log homes and multiple homes allowed on property
  • Fixed 15 and 30-year terms
Program Highlights

All allowed, but not required.

  • Fixed rate 15 and 30-year loans with low rates available
  • Ag-exempt properties allowed but not required
  • Purchase, refinance and cash out loans offered
  • Owner-occupied and second homes allowed
  • Barndaminiums, shed homes and shop homes allowed
  • 5 to 160 Acres (home value only required to be 30% of overall value)
  • Homes with pasture land and tillable acreage
  • Schedule F (Farm) income allowed

Rural Residential Loans

Is your heart set on country living? A rural retreat somewhere outside of the city with home and acreage where you can have livestock, pasture land, outbuildings and the lifestyle of living in the country? A place with no nearby neighbors, where you can raise chickens, grow your own fruits and vegetables, and have horses, goats or cattle? A place with enough acreage where your kids can experience the outdoors…ride ATVs, go fishing, hunting, learn about the animals and enjoy the outdoors? We have just the program for you!

Our rural residential program can make your dream of living in the country on your own land a reality. No matter if you are a first time home buyer, or looking for your dream property to retire, we can help make it happen!

Rural Residential Loans

Is your heart set on country living? A rural retreat somewhere outside of the city with home and acreage where you can have livestock, pasture land, outbuildings and the lifestyle of living in the country? A place with no nearby neighbors, where you can raise chickens, grow your own fruits and vegetables, and have horses, goats or cattle? A place with enough acreage where your kids can experience the outdoors…ride ATVs, go fishing, hunting, learn about the animals and enjoy the outdoors? We have just the program for you!

Our rural residential program can make your dream of living in the country on your own land a reality. No matter if you are a first time home buyer, or looking for your dream property to retire, we can help make it happen!

Program Highlights

All allowed, but not required.

  • Fixed rate 15 and 30-year loans with low rates available
  • Ag-exempt properties allowed but not required
  • Purchase, refinance and cash out loans offered
  • Owner-occupied and second homes allowed
  • Barndaminiums, shed homes and shop homes allowed
  • 5 to 160 Acres (home value only required to be 30% of overall value)
  • Homes with pasture land and tillable acreage
  • Schedule F (Farm) income allowed
Program Highlights

All allowed, but not required.

  • Loans offered for logging and forestry, nurseries, orchards, vineyards, dairies, ranches, cattle and more
  • Fixed-rate loans up to 30 years with no pre-payment penalty or short term adjustable products
  • Monthly, annual or semiannual payment options
  • Flexible products for farmers looking to expand their operation, refinance to a more favorable loan, or consolidate debt
  • Loans up to 70% of value offered

Farm & Agriculture Loans

Whether you are looking to buy additional land to expand your operation, increase your farm capital or refinance debt and consolidate loans to reduce payments, we can help! Our program offers farmers the agriculture financing needed to fulfill their goals. With a variety of loan products, including 30-year fixed rate loans, operating loans and more, we can meet your financial needs to expand your business or help finance operations from year to year.

Farm & Agriculture Loans

Whether you are looking to buy additional land to expand your operation, increase your farm capital or refinance debt and consolidate loans to reduce payments, we can help! Our program offers farmers the agriculture financing needed to fulfill their goals. With a variety of loan products, including 30-year fixed rate loans, operating loans and more, we can meet your financial needs to expand your business or help finance operations from year to year.

Program Highlights

All allowed, but not required.

  • Loans offered for logging and forestry, nurseries, orchards, vineyards, dairies, ranches, cattle and more
  • Fixed-rate loans up to 30 years with no pre-payment penalty or short term adjustable products
  • Monthly, annual or semiannual payment options
  • Flexible products for farmers looking to expand their operation, refinance to a more favorable loan, or consolidate debt
  • Loans up to 70% of value offered

From Our Customers

Justin From Missouri

“Anthony and his team were awesome. We were under some tight deadlines and we had our fair share of implements in our way to achieve our close date. But United Ag was in constant communication every step of the way. I probably wouldn’t be writing this review from my new home had I work with another lender. I wish I could give more than 5 stars on this rating.”

Stephany From Missouri

“Anthony and the entire team at United Ag went the extra mile to work with us on completing a complex property refinance involving multiple parties. They were incredibly helpful and knowledgeable, making the process far less difficult than we expected.”

Jennifer From Kansas

“United Ag Lending was fabulous to work with for our refinance. We have recommended them to others and everyone agrees that they’re a great lender to work with. The team is knowledgeable, prompt, easy to contact, and walks you through each step. Thanks United Ag!”

Tracy From Kansas

“I would highly recommend United. Our lender did an excellent job keeping us informed and up to date throughout the entire process making us feel very comfortable and confident.”

Ben From Kansas

“Anthony and everyone United Ag were great to work with in making our first ag purchase. Everything was completely explained and all our questions were answered in a timely and professional manner. We were very comfortable and pleased while working through our purchase.”

Angela From Missouri

“Fast and Professional! With United Ag, the process was simple from beginning to end. They answered all of our questions and helped us choose a loan option that was perfect for our needs.”


Uniting
People with Possibilities

Get in Touch

HQ | 9393 W 110th St, #350, Overland Park, KS 66210

BY APPT ONLY | 1705 Baltimore Avenue, Suite 200, Kansas City, MO 64108

888-204-9430

info@unitedaglending.com