Providing brokers, banks, and mortgage lenders with wholesale agricultural loan products is United Ag Lending’s specialty.
As a wholesale agricultural mortgage lender, we partner with you to ensure you provide your clients with the highest quality agricultural loan products.
Make United Ag Lending Your Wholesale Ag Lender
Our team helps mortgage lenders and brokers by providing simple, customizable wholesale loan products.
United Ag Lending stands out as a premier wholesale ag lender because we provide agricultural loan products with competitive terms along with white glove service. Our loan options enable our partners to assist diverse clients who want to purchase or refinance their agricultural-related properties.
Our experts will work with you throughout the loan process and after closing to ensure you and your clients receive answers to your questions. We want to see you and your customers succeed.
The Benefits of Working With United Ag Lending
As a specialized wholesale farm loan provider, we offer expertise, experience, and a flexible approach. Our focus is wholesale ag lending; we won’t get distracted by offering other mortgage loans or products.
Brokers, banks, and mortgage lenders choose to work with our company because we offer the following benefits:
Exceptional Customer Service
We are seasoned ag industry professionals. We have built relationships with people in various farming industries and are poised to provide solutions for you and your clients.
Competitive Terms and Flexible Programs
We understand that agricultural real estate financing isn’t a one-size-fits-all industry. Our loan products allow you to present loans with flexible rates and terms to your customers.
Diverse Products for Unique Customers
United Ag Lending understands that you don’t have cookie-cutter clients. People seeking agricultural real estate loans have different needs.
We’ve curated a robust selection of flexible agriculture loan products designed to:
- Help you present flexible, creative, competitive loan solutions that match your clients’ projects.
- Enable loan officers to originate agricultural real estate loans they may otherwise have not been able to do in the past, allowing them access to an untapped client pool.
Our company’s wholesale partnerships are designed to be profitable and satisfying for everyone involved in the lending process.
Specialized Agricultural Loan Products
When we founded United Ag Lending, our objective was to become an expert wholesale partner for loan officers throughout the United States. We’ve achieved this goal and continue to cultivate lucrative partnerships through our:
- Commitment to customer satisfaction
- Knack for business development
- Wholesale agricultural lending expertise
United Ag Lending’s unmatched track record shows that our team always has your best interest in mind.
Farm and Wholesale Ag Loans
United Ag Lending provides agricultural real estate loans created to help you serve customers who want to expand their commercial farming businesses.
We can help you provide loan solutions for the following types of clients:
- Farmers who want to grow their commercial farming or agricultural operation.
- People who want to increase their farm capital.
- Customers who want to consolidate their already existing farm or agricultural real estate loans.
All of United Ag Lending’s commercial real estate loan products are unique, but we can offer your clients agricultural loans that include these details:
- 30-year fixed rate with no prepayment penalty
- Monthly, annual, or semiannual payment options
- Adjustable rate loan options
- Cross-collateralization and seller carries allowed
- Loans up to 70% of appraised value
Commercial Farm Loan Requirements
Your customers/the property should meet the following criteria to qualify for one of our commercial real estate loans:
- The property the customer wants must be agricultural in nature.
- We require commercial loans to be a minimum of $500,000.
- The property the loan is for must be on a minimum of 10 acres.
- Your customer must have a 680 minimum credit score.
Commercial Farm Loans We’ve Helped Finance
Our flexible products can help you serve customers who work in various farming fields. We can help you provide loans to people who:
- Run an orchard or vineyard
- Equestrian properties
- Keep a dairy farm, or want to develop a ranch or cattle operation
- Want to start an avocado or almond farm
- Are interested in establishing a blueberry or soybean farm, or an orange grove
- Started many more types of farms
Hobby Farm Loans
Our hobby farm lending program is one of our company’s more unique offerings. Loan officers can use this product to provide loans to people who want to invest in a property that falls outside a standard lending agency guidelines.
United Ag Lending’s hobby farm loans offer these features:
- Fixed-rate loan terms at 15 and 30 years.
- Our program allows for multiple structures and homes on the property.
- Schedule F income is allowed.
- The land’s value can exceed 30% of its appraised value.
- The dwelling value is only required to be 25% of the overall value, and lower values are allowed on a case-by-case basis.
- There are no early payment penalties.
Hobby Farm Loan Requirements
Your customers/the property need to fit the following criteria to qualify for one of our hobby farm loans:
- The property is agricultural in nature and at least 5 acres but can be up to 160 acres in size. Over 160 Acres can be granted with exception.
- Your customer must have a minimum credit score of 680.
- The property includes a home that will serve as your customer’s secondary or primary residence.
Hobby Farms We’ve Helped Finance
United Ag Lending’s hobby farm loan products allow your customer to finance a small farm that isn’t financially motivated. Your customer can use this loan to finance one or more hobbies within their hobby farm.
We’ve helped finance the following types of hobby farms through this loan program:
- Equestrian farms
- Vineyard farms
- Berry farms
- Bee farms
- Chicken farms
- Homes with pasture
Wholesale Rural Land Loans
Our wholesale rural land loan product allows lenders to provide customers with financing to help them build their dream farming operation.
Our land loans can help your customers:
- Start a dairy farm.
- Expand a business, like an equestrian property.
- Establish a vineyard.
- Build a ranch to raise animals, like horses, sheep, or cattle.
- Begin a Christmas tree farm.
United Ag Lending’s land loan products have these qualities:
- Our team permits down payments as low as 25%.
- We offer fixed-rate loans from 10 years to 30 years.
- Adjustable rate loans from 1 year to 15 years also are available.
- Multiple properties or contiguous parcels are allowed in one loan.
- We also allow outbuildings, sheds, and other land improvements.
Wholesale Rural Land Loan Requirements
Your customers/the property have to fit the following parameters to qualify for one of our agricultural land loans:
- The minimum loan size for this program is $500,000.
- The minimum acreage for a land loan is 10 acres.
Wholesale Rural Property Loans
United Ag Lending also has loan products for people seeking rural property. Our wholesale rural real estate loans allow your customers to obtain a home that can serve as their residence or a second home used for recreational purposes.
United Ag Lending’s flexible rural residential loan products have the following features:
- Fixed-rate terms at 15 and 30 years with low rates available.
- Second and owner-occupied homes are allowed.
- Ag-exempt properties are permitted but not required.
- We offer purchase, refinance, and cash-out loans.
- Schedule F (farm) income is allowed.
- Shed and shop homes, and Barndominiums are allowed, as are homes with tillable acreage and pasture land.
Wholesale Rural Property Loan Requirements
Your customers/the property should meet the following criteria to acquire one of our agricultural land loans:
- The property must be on a minimum of 5 acres and a maximum of 160 acres; the property value must only be 30% of the overall value.
- The land must have a pre-existing home that will serve as a secondary or primary residence.
- The property must be in a rural area.
Common Questions Lenders Have About Partnering With a Wholesale Ag Lender
Brokers, banks, and loan officers have a lot to consider when choosing a wholesale ag lender to create a partnership with. But when you decide to work with our team, you’ll quickly see how our unique loan products help you do business and attract more customers.
The following are some of the questions loan officers have about partnering with a specialized wholesale agricultural loan provider.
Are You Able to Offer My Diverse Customer Base Flexible Loan Products That Can Meet Their Unique Needs?
Yes. United Ag Lending understands that no ag loan is one-size-fits-all. We are different because we can offer your customers a loan product that fits their specific financial needs and future goals.
Our flexible wholesale ag products allow us to consider your customer’s individual needs. Our team considers the following details during the agricultural loan process:
- Land size and customer needs
- Price of land your customer can afford
- Highest and best use as determined by a qualified appraiser
- Your customer’s credit score
- Operations
- And more
United Ag Lending can help you present your customers with the right loan product and offer them customized loan terms. With a growing history of success as a wholesale agriculture lender, we’re acutely aware of how important it is to work with a lender who understands you.
My Customer is Busy. Is Your Loan Process Straightforward?
Yes. We know that customers who manage farming operations prefer spending their time on the land. That’s why we’ve developed a clear wholesale agricultural loan process for brokers, loan officers, and bankers. We want to help your customers obtain effective loan solutions.
The first step to determining what your customers need is a consultation with your account executive. During our meeting, we’ll focus on how we can assist you and help your client.
Next, we’ll provide tailored loan product recommendations and rates. We will continue to provide support and solutions throughout the remainder of the loan process.
How Experienced are Your Loan Officers? Do They Have Agricultural Experience to Back Up Their Claims?
Our team is composed of talented individuals with agricultural industry experience.
Our company’s decades-long experience has allowed us to hone in on a set of core principles that we incorporate into all our loan products. At United Ag Lending, we value:
- Communication
- Endurance
- Simplicity
When you choose to partner with us, you can expect to work with a wholesale loan partner who will ensure you deliver what your client needs throughout the loan process.
As a Lender, I Value My Reputation. How Can Your Company Ensure I Maintain it in Our Relationship?
Our goal is to make lenders look good to their clients. United Ag Lending accomplishes this by respecting you and your customers’ needs. We achieve this by supporting your customers’ interests and giving them the best loan products for their circumstances.
Our team is committed to extending a helping hand to ensure your business thrives and your customers succeed with our loan products.
Read our reviews to see how we’ve helped people access our agricultural loan products.
Can You Help Me Expand My Client Portfolio?
Yes. When lenders, banks, and brokers partner with United Ag Lending, they have the opportunity to provide our niche wholesale ag loan products to their clients.
Our team understands that making an agricultural purchase is a significant investment. Our financial tools are designed to help you provide lasting support to your new and existing agricultural customer base.
My Client Isn’t Sure Where to Start. How Can You Help?
Our team is skilled at creating loan road maps that are designed to help your customers through our agricultural loan process. Each road map we make will detail the following:
- How our team will work with a client’s specific circumstances.
- Explore the financing options that will help your customer achieve their agricultural needs.
- The way our company’s different loan products can help your customers meet their goals.
Partner With United Ag Lending as Your Wholesale Ag Lender
With United Ag Lending, you can count on us to provide you with the wholesale real estate loan products your customers need. Our company has the knowledge, customer service, responsiveness, and communication skills that set us apart from other agricultural loan lenders.
You can count on our company to continue expanding its offerings, bringing the opportunity to originate mortgages for agricultural properties to more and more loan officers nationwide.
Are you interested in becoming one of our trusted partners? Contact us today to find out more about our products and services.
United Ag Lending’s TPO Licensed States: Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and Wyoming
Recent Comments