About Us

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! United Ag Lending has achieved success as a rural wholesale mortgage lender through a commitment to exceptional service. We care for our people by building long-term relationships with our wholesale partners, achieving financial solutions, and bringing simplicity to the complexities of agricultural lending.

As a team with decades of experience, we have an acute understanding of the financial challenges that rural Americans face. It’s with this in mind that we’re proud to call ourselves a satisfying solution to those challenges, which is why we work with brokers and lenders nationwide to provide agricultural loans to their clients.

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Work with United Ag Lending

Experts in Ag Loans: Our team is well-seasoned in the ag industry. Through working with multiple people across a variety of farming industries, we’ve gathered stacks of knowledge and expertise.

Flexible Programs: Ag financing is never one-size-fits-all. We have flexible programs that allow you to offer your clients what they need. Flexible loan rates, term options, and the ability to have multiple parcels of land on one loan are just a few of the perks.

A Clear Process: Our process is as clear as it gets—you can count on us for transparent communication and clear instructions. We make it easy for you to satisfy your clients.

Good Reputation: We’ll let our wholesale partners speak for themselves on how we’ve helped their journeys—check out our testimonials and reviews.

Senior farmer in a field examining wheat crop.

Our Process

Our intention for every interaction is to create a long-term working relationship. Far too often, business relationships can become static and mired in stacks of paperwork. We take the time to get to know you and your client’s interests to provide the best service possible.

Ultimately, our success as a rural wholesale mortgage lender hinges on whether our wholesale partners feel empowered to make educated financial decisions. This is what motivates us to deliver solutions that allow them to thrive.

Handshake two farmer with crops field background. The concept of the agricultural business. farmer holding hands after had an agreement in the process.

Step 1: Consultation

The first step of our ag financing process is a free consultation with your account executive. Your AE will ask about the goals and plans for the property, and you’ll get to ask us questions about our programs, processes, and anything else.

Prior to the consultation, you should have your client mull these questions over:

What is the purpose of the loan?
How do you plan to use the funds?
What is the acreage of the land?
Does the land have a residence?
What is the land value?
Does the land have the potential for agricultural use?
What loan amount do you need?

Step 2: Recommendations & Application

After getting to know your client and their property plans, we’ll work with you to customize a loan program that fits their goals. In the ag financing world, every property and plan is one-of-a-kind; therefore, the program needs to reflect this. When creating a customized, flexible program, we consider:

Land or property size
Land use
Price of the land or property
Highest and best use
Credit score
Operations

We’ll also talk through terms, rates, repayment, and all the fine details.

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Step 3: A Continued Resource

United Ag Lending will continue to be a dependable resource to you and your clients as a trusted rural wholesale mortgage lender. We welcome you to partner with us on any further agricultural loans going forward.

Reach out to us anytime you have questions.

Overview of Our Programs

Commercial Farms

We serve a number of different industries with our commercial farm loans. If your clients want to help feed and sustain their community while making a living, we can help make that happen.

Some of the commercial industries we’ve financed include:

Livestock and ranches
Dairy farms
Commercial crops (i.e. wheat, cotton, soybean)
Orchards and vineyards
Forestry and logging
Equestrian properties

Hobby Farms

One of our priorities at United Ag Lending is to provide your farmers with the resources they need to pursue their passions stress-free. Financial limitations—and other strict rules traditional lenders place on hobby farms—won’t get in the way here. With our programs, you can offer your clients the financial flexibility to make their hobby farm what they want it to be.

Clients should keep these questions in mind when considering a hobby farm loan:

What do you want your hobby farm to focus on?
Are you wanting to make any income?
Will you live on your hobby farm full-time or part-time?

Rural Residential

We know how appealing the rural lifestyle is; that’s why we became a rural wholesale mortgage lender. It’s a great option for people who want to live a private life encompassed by nature and rolling green hills. Farm or no farm, our rural residential program is just as flexible as our other programs to accommodate all kinds of homeowners.

But let’s face it—house hunting isn’t easy, and adding the rural element to that can make it even more complex. With ag financing professionals on your side who specialize in ag loans alone, you’ll be able to help your clients secure their ideal home and feel at ease about their financial and lifestyle decisions.

Refinancing

Have clients who are looking for more favorable loan terms? We offer farm loan refinancing services to help them reach a better financial future. Whether they want to refinance debt or consolidate a farm loan and a construction loan, we can help.

Recreational Loan Programs

We offer ag financing for recreational use. When processing loans for recreational land, we make sure that the location and land use meet our requirements. The recreational land types we provide loans for tend to be in the mountains or other types of climates that are not agricultural in nature.

Documentation You’ll Need

These are the documents we’ll need during the ag financing process (specifically Step 2: Recommendations and Application):

- Asset documents
- Financial statements
- 2-3 previous years of tax returns
- Credit score

Our Expertise as a Rural Wholesale Mortgage Lender

Many of the brokers and lenders we work with haven’t been able to offer agricultural loans to their clients before. Whether it’s your first time providing an ag loan or your 100th, we’re here to provide the expertise you need to serve your clients well.

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Goals and Planning

The first step is to uncover your client’s purpose for pursuing ag financing. The more prepared they are with their plans, the easier and quicker the loan process will be.

Get their gears turning with these questions:

If clients are seeking commercial financing:

What do they want their operation to focus on?
What are they planning to sell?
Do they still need machinery or other equipment to run their operation?
What loan amount will they need?
How do they plan to use the funds?
What do they imagine their farm to be like in a year or two?

If they’re seeking hobby or residential financing:

What is the purpose of the loan? (i.e. are they simply wanting to live in a rural area or start a plant nursery for side income?)
Does the land have the potential for agricultural use?
What loan amount do they need?
How do they plan to use the funds?

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.

Grazeable Acreage

If your client plans to keep livestock, the land needs to have enough grazeable acreage. Some land has predetermined grazeable acreage allowance due to water source availability.

Environmental Assessment

Are there certain activities restricted on the land? They’ll need to check with the county.

What We Believe In

At United Ag Lending we believe in the following:

Communication: Our partners should never be caught off-guard during the loan process, as we will continually keep them informed.

Endurance: The road to our partners’ success requires dedication on our part. We will remain steadfast in our commitment to their financial achievements.

Simplicity: Our partners deserve a simplified process. We intend to be the simplest solution to meet their needs, and we have a track record of being just that.

Let’s Get Started

Your clients have dreams, and we have the financial expertise and resources to make those dreams achievable. As a reputable rural wholesale mortgage lender, we have a consistent track record of helping our Partners and their clients plant their aspirations in the ground and watch them grow. We want this for you and your clients as well.

If you’re ready to take the next step in offering agricultural loans for your clients, we’re ready to work with you to find the best solution that will work on your behalf. Contact us today to get the conversation started. We look forward to hearing from you.

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