Farm and Ranch Loans
Unlock New Opportunities for Your Clients
Farm and ranch loans are an impactful resource to diversify your business and help more clients. Most wholesale lenders don’t provide rural mortgage products, making our services a unique opportunity for you and your clients.
Farm and ranch loans help borrowers finance rural real estate used for agricultural operations or country living. United Ag Lending works with lending partners to evaluate properties that may fall outside conventional mortgage guidelines. We’ll help you understand the scenario, identify an appropriate program, and guide your client through the next steps.
Don’t let financial restrictions hinder your clients’ applications for agricultural loans; United Ag Lending offers a solution. Partner with us, and we’ll help your clients achieve their agricultural dreams.
Our streamlined process simplifies the development of tailored loan products for farms and ranches, making it easy to attract new clients and help existing clients grow.
-
Step: 1
Consultation
To get the purchasing process started, we’ll begin with an introductory conversation to get to know you and your client’s needs.
-
Step: 2
Recommendations
After getting to know you and your client’s property plans, our loan officers will customize a loan program that fits their goals.
-
Step: 3
Receive Loan
Once your client has received their loan and they start making their plans happen, we will continue being a trusted resource to you.
Farm and Ranch Loans
As more people embrace rural life, agricultural lending becomes an increasingly attractive field. Unfortunately, obtaining farm loans can be less than clear. Through our specialized loans, United Ag Lending helps your clients easily access the agricultural lifestyle.
We customize the conventional understanding of mortgage loans to create a solution tailored to rural needs. We empower our partners with more flexible loan programs tailored to rural properties, in contrast to the typical constraints imposed by wholesale lenders.
Program Highlights:
- Down payments as low as 25%
- Fixed-rate loans from 10 years to 30 years fixed
- Minimum loan size: $500K
- 1-year to 15-year adjustable rates are available
- Minimum acreage: 10 acres
- Multiple properties or contiguous parcels
- Outbuildings, sheds and other land improvements allowed
-
Serving Brokers
Lenders
Banks
United Ag Lending’s farm and ranch loans open numerous benefits for your clients
Your clients’ needs guided the creation of these loan products. This is just the beginning of the possibilities that our informed support can offer your clients.
- Loans for many industries: nurseries, orchards, vineyards, dairies, ranches, cattle, and more
- Making money with their hobby or commercial farm
- They can own multiple parcels, potentially combining nearby ones
- Get financing permitting Schedule F (Farm) income
- Fixed-rate loans up to 30 years with no prepayment penalty or adjustable rate products
- Monthly, annual, or semi-annual payment options on commercial loans
Putting Your Clients First
From sprawling orchards to thriving livestock, your clients’ farm dreams are within reach with our support. By providing crucial financing, our farm and ranch loans give your clients the autonomy to run their farms their way.
Want to learn more? Let’s discuss the best approach to serving your clients.
Your Unrealized Potential
There’s a high demand for rural properties, but traditional wholesale lenders are not prepared to accommodate them. By capitalizing on this gap, you can set your brokerage, lending, or banking services apart. We’re a wholesale lender specializing in ag financing for mortgage brokers, mortgage lenders, and banks. We’re here to help you discover untapped profits!
Farm and Ranch Lending FAQs
These answers can help you identify important details early and better understand which financing path may fit your client’s farm or ranch property.
Before you bring a prospective deal to us, find out how your client plans to use the property and whether agriculture will be their primary source of income. It’s also helpful to know the acreage, whether there’s a residence on the property, and the approximate financing request.
Those details affect the suitability of a program. The good news: you don’t need to determine the answer on your own. We’ll review the scenario with you and help identify the information needed to move forward.
Yes, United Ag Lending offers options to refinance through farm and ranch loans for qualifying agricultural real estate. A refinance can help a client consolidate existing agricultural debt, pursue a different loan term, or address other financing goals tied to the property.
We’ll review the client’s current situation and what they want to accomplish before discussing available options. Bringing the scenario to us early gives us a chance to identify which refinancing approach may apply.
Yes, how much your client relies on agricultural income can help determine which program is appropriate.
United Ag Lending distinguishes between scenarios where farming is the borrower’s primary income source and properties where agricultural income is secondary and a residence is included.
Because those situations can fall under different program guidelines, it’s helpful to discuss the borrower’s income and intended property use early in the process.
Get Started
The process is quick and easy. Answer a few quick questions and we’ll determine which loan program is perfect for you!