When borrowers make a rural move, loan officers often run up against a bank bias: better choices go to homebuyers instead of land purchasers.
United Ag Lending specializes in rural property loans. We provide recreational land loans, rural property loans, rural commercial loans, and more, finding solutions that make heroes out of loan officers, and lifelong clients out of borrowers.
Contact us to understand how our non-bank financing helps your clients, and partner with us to enhance your services—and your revenue.
Read on for a quick guide on defeating the bank bias.
Going Beyond the Average Lender
Banks love mortgages with guaranteed asset value. When buying land, borrowers care more about dreams and goals, which don’t translate well to something banks can quantify.
When a loan officer approaches United Ag Lending, we look at their plans and the value in that.
Many rural property loans create:
- An equestrian farm
- A hobby farm
- A new vineyard
- A rural barndominium
- An escape for recreation or hunting
We look at the full value, including the plan to make it work and the players involved.
Thinking Outside the Bank
United Ag Lending doesn’t require loan officers to force borrowers into standard residential loan boxes. Instead, we curate excellent loan options for:
- First-generation farmers
- Young and beginning producers
- Rural residential transplants
- Rural property owners in need of refinance
- Schedule-F borrowers
We only offer rural property loans, which means we’re the go-to specialists for:
- Regenerative agriculture bridge loans
- 30% rule loans
- More loans for raw, unimproved, improved, and commercial rural property
We offer many different programs with versatile payment options, so we can customize your loan to your needs.
Lending Starts With a Conversation
Buying a farm?
Expanding your current rural holdings?
Want 10 or more acres of raw land to call your own?
Let’s talk about your borrower’s goals, because United Ag Lending finances rural properties that suit a borrower’s desires.
With reliable terms and options for unconventional homes and land goals, loan officers choose Unite Ag Lending to help borrowers finance the lifestyle they’ve been dreaming about.
Related topic: Explore Our Non-Bank Advantages for Rural Real Estate Loans
Secure the “Un-closable” Deal
United Ag Lending partners with loan officers, handling the difficult rural nuances so the loan officer can focus on the borrower relationship.
Keep your pipeline growing. We’ll keep creating solutions for your borrower’s needs.
Use our Loan Tool to pre-qualify rural property clients, or get in touch with United Ag Lending to see how we can enhance your prospects.
