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
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
Single-Family Home
Our wholesale rural residential loans often have more lenient qualification requirements compared to traditional mortgages. This accessibility can be particularly beneficial for first-time homebuyers or those with non-traditional income sources, such as farmers or remote workers.=
Whether for first-time buyers or those seeking a lifestyle change, these financing options empower individuals to realize their dreams of homeownership in a tranquil, rural setting.
Land Loans
We offer financing for all types of land. Whether you plan to buy land for recreation, to build a home on at a later time, or for agriculture purposes, we can help make your land ownership dream a reality. We offer loans with fixed rate terms up to 30 years or arm products – whichever fits your needs and goals.
Program Highlights
All allowed, but not required.
- 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
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
Farm Properties
Our specialized loan products cater to the unique needs of both hobby farms and commercial agricultural operations. Whether it’s supporting innovative hobby farm and homestead projects or helping commercial farmers achieve their financial objectives, we can assist your clients in reaching their long-term goals.
As a rural wholesale mortgage lender, we understand that hobby farms especially often require a tailored financial approach that embraces creativity and innovation. We love supporting small-scale projects that reflect personal passion and lifestyle choices.
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
Mixed-Used Properties
Mixed-use properties are increasingly popular, especially in rural areas, as they offer the unique advantage of combining residential and commercial functions within a single property.
These properties allow residents to live and work in the same location, which can be especially helpful in rural areas where commuting distances may be longer. This arrangement can reduce travel time and expenses while promoting a balanced lifestyle. Mixed-use properties are something we frequently help finance as a rural wholesale mortgage lender.
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.”
The Financial Challenges That Rural Americans Face
We recognize that purchasing property in rural areas often comes with its own set of hurdles—whether it’s limited access to financing, understanding complex zoning regulations, or navigating the intricacies of agricultural loans. As a rural wholesale mortgage lender, our expertise allows us to provide tailored solutions that meet the specific needs of your clients.
In a rapidly changing financial landscape, we remain committed to being a reliable partner for rural communities. Our mission is to help loan officers support their clients in turning their land and property dreams into reality, fostering growth and sustainability in the areas we serve.
With United Ag Lending, clients can trust that they have a knowledgeable ally who understands the nuances of rural lending and is passionate about supporting their success.
Rural properties often face additional challenges due to zoning and land use laws, fewer available properties, lower appraisal values, and limited access to resources.
Zoning and Land Use
Navigating local zoning laws can be complex, and some rural areas may have restrictive regulations that affect how land can be used, impacting your clients’ plans for development or farming.
We can help you and your clients carefully review the permitted uses under the current zoning classification. For example, agricultural land might allow for farming but prohibit commercial activities like agritourism or retail sales. It’s important to keep in mind your clients’ short- and long-term goals for a property.
Limited Properties
The inventory of available properties can be lower in rural areas, making it harder for buyers to find suitable options that meet their needs.
With fewer listings due to lower population density, finding homes that meet specific needs can be tough. This scarcity often leads to increased competition when suitable properties do come on the market, driving prices up and pushing buyers to make quick decisions, which can result in overlooking important factors.
The search process can take much longer compared to urban environments, requiring buyers to travel considerable distances to view properties, adding to their frustration. Leaning on an expert rural wholesale mortgage lender can help you provide your clients with the best options.
Access to Resources
Many rural properties may lack access to essential services such as reliable internet, utilities, and roads. This can affect both livability and the potential for future development.
For clients who are looking to develop or expand their properties, inadequate road infrastructure can present significant challenges. They may need to invest in improving or building access roads, which can cause delays in development projects.
As an experienced rural wholesale mortgage lender, United Ag Lending can help you advise your clients on everything they need to consider when selecting a property,
Offer Your Clients More Through United Ag Lending
Our relationship with our partners is a two-way street: you bring us your customers’ interests, and we’ll do our part to deliver the best solutions. We understand that customer trust is vital in this business. Our team is more than willing to extend a helping hand and help your business thrive through our loan programs.
As a rural wholesale mortgage lender, we provide a robust range of agricultural real estate loans, including options for commercial agriculture, hobby farms, and rural residential properties.
We’re always looking to expand our partnership with lenders, brokers, banks. We’re inviting you to try us out. Our loan programs have been serving rural Americans for decades, and they continue coming back to us because we continue to satisfy their needs. Whatever your aspirations are , we have the ability to help your business grow.
We’re always eager to expand our partnerships , and we’d love for you to give us a try! Whatever your goals are as a lender, broker, or bank, we’re here to help your business grow.
Here are helpful tips and things to keep in mind that you can share with your clients about picking their rural properties.
Land Requirements and Restrictions
If your clients are planning to use their land commercially or agriculturally in any facet, part of preparing for their loan is making sure the land has all the resources it needs to support their plans.
Understanding zoning regulations and land use permits is essential. Clients must ensure their intended use aligns with local laws and obtain any necessary approvals before moving forward with their plans.
Depending on the planned use, owners may need permits for activities like farming, building, or operating a business.
- Stocking Rate
The stocking rate is the number of animals a piece of land can support without causing harm. Determining the right stocking rate is crucial to avoid overgrazing, which can damage the land and hurt the health of the livestock. - Quality of Pasture
Livestock requires a balanced diet, which often includes access to quality forage. Insufficient grazing land can lead to overgrazing, where the animals eat the grass down to the roots, preventing it from regrowing and ultimately degrading the pasture. More than that, different types of livestock may have varying nutritional needs. For example, cattle might require more extensive grazing land compared to sheep or goats. Ensuring that the land can support diverse forage options can help meet these needs. - Water Source Availability
In addition to forage, it’s important to consider where your livestock will be able to access water, as well as to evaluate the quality and reliability of water sources on a potential property. Natural sources, such as ponds or streams, should be assessed for contamination risks, while artificial sources, like troughs or tanks, need regular maintenance to ensure cleanliness and accessibility. - Local Regulations
Clients should also be aware of local zoning laws and land use regulations that may affect their ability to keep livestock. Ensuring compliance with these regulations supports the long-term success of their farming operation. - Long-Term Sustainability
Sustainable grazing practices can improve water retention in the soil and enhance nutrient cycling, which can lead to healthier pastures over time, promoting the viability of the farming operation. Clients should consider their long-term goals when assessing grazing land. If they plan to expand their livestock operations, having adequate acreage from the start can prevent future challenges related to land availability. - Environment Assessment
These are often a necessary step for rural properties. As a rural wholesale mortgage lender, we’re familiar with helping our partners assist their clients in this process. A thorough environmental assessment is essential for understanding the environmental health of a rural property. It helps buyers make informed decisions, ensures compliance with regulations, and promotes sustainable land use practices.
Site Inspection
A physical site inspection is a crucial step in the environmental assessment process, providing a hands-on evaluation of the property’s condition. Assessors will examine the topography, drainage patterns, and vegetation.
Understanding the natural layout of the land can help identify areas prone to flooding or erosion, which can impact where crops can be grown.
Soil Testing
Taking soil samples is important to analyze for contaminants like heavy metals, pesticides, or other harmful substances that could affect land use and safety. This process is a key component of environmental assessments, providing critical data that informs decisions about the health of a property.
Water Sourcing and Testing
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Flora and Fauna Survey
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Risk Assessment
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