California’s rural land market includes significant amounts of acreage with some of the most diverse terrain. Fertile river valleys, mountain foothills, and even arid regions draw borrowers from all walks of life.
When securing rural real estate loans, traditional banks too often don’t provide appropriate opportunities for California’s rural real estate and hobby farms.
United Ag Lending helps loan officers curate the best financing and agricultural loan participation agreements. We’ll help with land purchases and eligible homes near you.
Contact us to learn more about non-bank financing benefits, and partner with us to improve non-urban real estate revenue.
United Ag Lending for Borrower Goals
Borrowers seek out rural properties for any number of reasons. They might want to:
- Develop a commercial venture
- Live on a hobby farm
- Start a vineyard
- Enjoy recreational or hunting acreage
Whatever they may be “California dreamin’” about, our flexible financing options for both purchases and cash-out refinances help loan officers take on these clients more successfully.
United Ag Lending’s Non-Bank Advantages
United Ag Lending is not a bank. We focus solely on agricultural and rural lending. Unlike bank lenders, we make rural borrowers our only priority. That allows loan officers to access specific benefits for borrowers needing rural real estate loans or hobby farm loans.
Fixed-Rate Loans
Banks often view land loans as riskier than home mortgages, and they hesitate to offer favorable terms for raw rural land, preferring the immediate asset value of improved property.
Depending on the borrower’s land goals, United Ag Lending can help loan officers determine 15 and 30 year fixed-rate loans that fit their borrower’s needs with interest rate stabilization.
The 30% Rule
If qualified, we can finance properties where the home value is only 30% of the overall property value. This is a major benefit in the California rural real estate market, especially for farm ownership loans.
High-Acreage Capacity
We can finance up to 160 acres with a house on the property. This helps borrowers approach more choices among California’s vast rural parcels.
Related topic: Read Our Guide to Rural Property Loans
Find a Partner for Possibilities
United Ag Lending partners with loan officers, tailoring professional recommendations for California’s specific real estate nuances. We’re here for the entire loan acquisition journey, including as a resource after a purchase.
Use our Loan Tool to pre-qualify farmland clients, or get in touch with United Ag Lending to see how we can enhance your prospects.
