United Ag Lending offers products to help our bank, lender, and mortgage broker partners tap into wholesale ranch financing in Texas.

This blog will detail how we provide wholesale ranch loan products to loan officers who work with clients wanting to add to or start a Texas operation.

Wholesale Ranch Financing | Texas Highlights

When it comes to wholesale ranch financing, Texas operations are similar to other states’ loan product options. Our wholesale ranch loan products are designed to help your customers who want to purchase plots of land with or without property used for raising or housing livestock. We’ve assisted clients who keep the following types of livestock:

  • Sheep
  • Cattle
  • Horses
  • Chickens
  • Goats
  • Other types of livestock

These ranches have varied in size and scope and sometimes support crops. Our ranch loan products are for ranchers who ranch commercial livestock and those who raise or care for livestock as a hobby.

Ranch Financing Options

Our company knows that clients who want ranch financing products have unique needs and different ideas concerning what their ranch will look like.

Close-Up of a Brown and White Cow

United Ag Lending understands this and has created diverse ranch loan products for your clients. The following are just a few of our loan products that we customize to fit ranching clients’ operations:

Hobby Ranch Loans in Texas

Hobby farm ranches are smaller than commercial ranches. While a rancher can choose to make money off the livestock they keep on their ranch, what they make from their livestock is not their primary source of income.

Our hobby ranch loans in Texas have the following characteristics and requirements:

  • Multiple homes and structures are allowed on the property
  • Multiple properties can be combined into one loan
  • Land value can exceed 30% of appraised value
  • Schedule F income allowed
  • Dwelling value is required to be 25% of the overall value (lower values permitted on a case-by-case basis
  • Property must serve as a primary or secondary residence and be agricultural in nature
  • The hobby farm has to be on a minimum of 5 acres
  • Minimum credit score of 680 or higher

Commercial Ranch Loans in Texas

Commercial ranch loans are a good option for ranchers growing or starting a commercial ranching operation in Texas. Commercial ranches serve as these farmers’ primary source of income.

These are our commercial ranch loan benefits and requirements:

  • We don’t have a prepayment penalty
  • 30-year fixed rates
  • Monthly, annual, and semiannual payments
  • Adjustable rate loans
  • Seller carries and cross-collateralization permitted
  • Loans up to 70% of appraised value
  • Property must be agricultural in nature
  • $500,000 loan minimum
  • 10 acres minimum
  • 680 minimum credit score

Rural Land Loans in Texas

Rural land loans are also an option for people looking to grow or expand their ranching operations in Texas. The following are our wholesale land loan benefits and requirements:

  • Down payments start at 30%, and 10- to 30-year fixed-rate loans
  • 1-year to 15-year adjustable rates
  • Combining contiguous parcels and multiple properties is allowed
  • We permit land improvements, outbuildings, and sheds
  • $500,000 minimum loan
  • A minimum of 10 acres

When it comes to wholesale ranch financing, Texas lender partners can grow their business by working with us.

Since United Ag Lending’s founding, we’ve cultivated lucrative relationships with accomplished mortgage lenders, banks, and brokers nationwide.

Our commitment to customer satisfaction helps us build strong partnerships, maintain our business development drive, and continue cultivating our agricultural lending expertise.

Our business characteristics inspire us to maintain our status as the simplest solution for wholesale ranch financing in Texas. This translates to benefits for the loan officers who work with us.

Contact us or call us if you’re ready to start working with our accomplished team.

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