The United Ag Lending team has decades of experience providing customized wholesale farming and agricultural real estate loan programs across the country. We provide a variety of solutions for financing rural properties and land to help your clients realize their country-living dreams.
We are a full-service agricultural wholesale lender that specializes in offering solutions to loan officers who have clients needing agricultural real estate loans. We work with brokers and lenders looking to expand their portfolio offerings.
Agricultural lending is a specialized service that not many brokers have the ability to offer their clients. Working with us allows you to expand your offerings and capture clients you might otherwise not be able to work with by having a specialized wholesale ag lending provider on your team.
Why Are Our Wholesale Ag Loan Products Different?
United Ag Lending has thrived as a rural mortgage lender by prioritizing outstanding service. We focus on nurturing long-term relationships with our clients, delivering effective financial solutions, and simplifying the complexities of agricultural lending.
Unique Solutions
The agricultural sector has distinct needs that demand flexible loan programs tailored to your clients. Partnering with United Ag Lending enables brokers and lenders to provide a comprehensive agricultural loan program that caters to clients with diverse property requirements.
Our range of lending options is designed to meet the needs of agribusiness landowners, hobby farmers, and individuals looking to acquire land for recreational purposes, ensuring that each client’s unique situation is effectively addressed.
Industry Expertise
Our commitment to providing personalized support and leveraging our industry expertise ensures that your customers receive optimal financial strategies and resources. We take the time to understand each client’s specific needs and goals, allowing us to tailor our recommendations and solutions to their unique circumstances.
By providing targeted advice and leveraging our deep knowledge of the agricultural sector, we help you and your clients navigate complex financial decisions with confidence. This customized approach not only equips them with the tools they need to make informed choices but also positions them for success, enabling them to achieve their agricultural aspirations and excel in their endeavors.
We Work With Home Buyers, Too
It might seem that our team solely offers wholesale agricultural loans to professional farmers, but our loan options are much more versatile than that.
We offer loans for homes on acreage outside of urban areas, whether for primary or secondary residences, catering to a broader range of needs beyond just professional farming. Our team has assisted numerous loan officers in securing financing for their clients interested in country-style living.
Our Wholesale Ag Lending Process
At United Ag Lending, our background is marked by successfully providing the support our partners need to reach their goals.
Our company excels at flexible, tailored solutions for financing rural properties. You can rely on us to continue expanding our offerings, providing more loan officers nationwide with opportunities to originate mortgages for agricultural real estate.
Introductory Conversation and Consultation
To start the process, we’ll begin with an introductory conversation with you to get to know your clients’ goals. We’ll let you take the driver’s seat with our expertise as a resource.
This collaborative approach ensures that we align our offerings with your client’s specific needs. Throughout the process, we’ll position ourselves as a supportive resource, allowing you to lead the conversation and leveraging our extensive expertise and industry knowledge.
Our goal is to work closely with you to provide tailored solutions that best fit your clients’ unique situations, ultimately facilitating a smooth and successful financing experience.
Building the Road Map
No matter what your client’s needs may be, our team of experts is ready to assist you in identifying the most suitable financing solutions for their situation.
We’ll collaborate with you to develop a comprehensive plan for your client’s purchase through United Ag Lending. This process includes:
- Assessing your client’s financing capabilities and constraints
- Exploring various financing options tailored to your client’s property interests
- Guiding your clients through the benefits of our programs for rural residential, hobby farm, or commercial agriculture projects
Ongoing Partnership
United Ag Lending has become a leading rural wholesale mortgage lender through our outstanding service and our strong commitment to a job well done. We focus on building enduring relationships with our wholesale partners, crafting effective financial solutions, and simplifying the complexities of agricultural lending.
With decades of experience, our team has a deep understanding of the unique financial challenges faced by rural Americans. We take pride in being a reliable solution to these challenges and work closely with brokers and lenders across the country to provide tailored agricultural loans for their clients.
Even after closing, we’re available as an ongoing resource for you and your clients regarding their ag lending needs.
Our Wholesale Ag Lending Programs
At United Ag Lending, we are driven by our commitment to rural property financing and supporting your customers in reaching their long-term goals.
Whether your client is just starting their agricultural journey or is further along, we offer financing solutions tailored to their current stage and needs.
Hobby Farm
This specialized loan program is designed for buyers interested in acquiring rural property that already has a home. The property can be used as either a primary or secondary residence and can also accommodate a small-scale farming operation. With this program, buyers also have the opportunity to turn their farming hobby into a profitable venture.
Working with United Ag Lending for hobby farm loans can benefit your clients with the following highlights:
- Dwellings with up to 160 acres, with more acreage allowed on a case-by-case basis
- Loans can be offered up to $2 million, with Schedule F (Farm) income allowed
- Land value can exceed 30% of appraised value, which is something that other lenders don’t allow
- 50 heads of livestock or less are acceptable on the land
Our process makes it easy to develop a customized hobby farm loan that you can offer your clients based on their unique situation.
Rural Real Estate
Our rural property loan program is ideal for those looking to purchase a home in a countryside setting. This loan product is specifically designed for financing existing homes in rural areas, making it an excellent option for buyers who wish to relocate away from the city.
Whether your clients are first-time rural homebuyers or have lived in the country their entire lives, our rural loan programs are designed to meet all their residential needs. Focused specifically on rural residential properties, this program is tailored for non-commercial use.
Our rural residential program benefits can include:
- Fixed-rate 15- and 30-year loans with low rates available
- Agricultural properties allowed but not required
- Purchase, refinance, and cash out loans offered for qualified applicants
- Owner-occupied and second homes allowed
- Barndominiums, shed homes, and shop homes allowed
- 5 to 160 acres (home value only required to be at least 30% of overall value)
- Homes with pasture land and tillable acreage
- Schedule F (Farm) income allowed
Commercial Farming
The wholesale commercial agricultural loan program is ideal for clients looking to grow their existing farming business or launch a new agricultural venture. Whether they are looking to buy additional land to expand their current operation or increase their farm capital, our program offers farmers the agriculture financing needed to accomplish their business goals.
With a variety of commercial farm loans to choose from—including 30-year fixed-rate loans, adjustable-rate loans, cross-collateralization, and more—you can offer your clients a loan that meets their financial needs for expanding their business.
Some of the benefits of our commercial agriculture loans include:
- Loans for a number of different industries: logging, forestry, nurseries, orchards, vineyards, dairies, ranches, cattle, and more
- Fixed-rate loans up to 30 years with no prepayment penalty or short-term adjustable products
- Monthly, annual, or semi-annual payment options
- Loans up to 70% of value offered
- And more
Rural Land
Our rural wholesale land loan programs are designed for properties that do not have an existing home, although they can also be used for land with structures such as sheds and outbuildings. This program is perfect for clients looking to start a new agricultural venture or expand their existing farming operations.
Determining Which Loan Program Makes Sense for Your Clients
During the initial conversation and consultation, you and our account executive (AE) will discuss whether your client is a good match for our loan program and determine which programs could meet their needs.
Generally, your customers who can fulfill the following requirements are best suited for our offerings:
- 680 minimum credit score.
- Ready to purchase rural property
- Interest in property that meets our loan amount and land size stipulations
One way we’ll determine if our programs are suitable for your client’s needs is through asking the following questions:
- What type of agricultural project is your client looking to start or expand—commercial or private?
- Is your client interested in generating income from their farming operation?
- If your client is purchasing rural real estate, will it be used as a primary or secondary residence?
- What loan amount is your client seeking?
- What is your client’s overall plan for the property?
We Also Offer Refinancing
Our farm loan refinancing services are a key part of what we do at United Ag Lending. They can encompass a wide range of customer needs, too. We can help customers who:
- Want to take out a loan to cover existing agricultural debt
- Need a lower monthly payment for a rural residential mortgage
- Want to find a shorter term on their hobby farm loan
- Want to refinance agricultural business loans to improve their bottom line
Farm loan refinancing can be a stressful experience for borrowers, especially if they’re looking for more favorable terms. We understand this, and it’s why we work closely with you to understand your clients’ needs and fine-tune a solution that works best for them.
Work With the Experts in Wholesale Ag Lending
Every piece of land and every client’s situation is distinct. We evaluate each case individually to match clients with the most appropriate loan program for their specific requirements. Then, our team of experienced advisors uses their deep expertise and years of experience to create customized loan solutions.
Extensive Background
Our extensive background in the industry allows us to offer tailored financing solutions that cater to the diverse needs of farmers, ranchers, and agricultural businesses. We understand the unique challenges and opportunities within the agricultural sector and are adept at crafting loan products that address these specific needs.
Variety of Solutions
Whether it’s supporting large-scale commercial operations, assisting with small-scale hobby farms, or financing rural residential properties, our expertise ensures that we can provide the right financial tools to help your clients succeed.
Partner With United Ag Lending for Your Wholesale Loan Needs
United Ag Lending is a valuable ally for financing rural properties for your clients. Our expertise, customer service, responsiveness, and communication make us a top choice for those seeking to originate agricultural loans.
We excel as wholesale ag lending partners, transforming traditional financing approaches into flexible solutions for rural properties. Our commitment to expanding our offerings means more loan officers across the country will have the opportunity to work with us on agricultural real estate mortgages.
Interested in becoming one of our trusted lending partners? Reach out today to learn more about our loan 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
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