Farm & Ranch Loans
"Financing for country living."
Specialized financing for larger acreage properties, working farms, hobby farms, and horse properties. We work with ag lenders who understand rural properties.
10-25%
Min Down
660+
Min Credit
Varies by Lender
Max Loan
Is This Loan Right for You?
This Loan is Perfect If You...
- Buying a rural property or homestead
- Purchasing large acreage (10+ acres)
- Starting or buying a farm or ranch operation
- Horse property with stables and pastureland
- Hobby farm for personal agricultural use
This Might NOT Be Right If...
- Standard suburban residential property
- Small lot under 5 acres (use conventional)
- Commercial agricultural operation only (no residence)
- Looking for quick close (rural loans take longer)
- Property has complex water/mineral rights issues
Farm & Ranch Loans Benefits
Everything you need to know about your benefits
Specialized Lenders
Work with agricultural lenders who understand farms, ranches, and rural properties
Multiple Property Types
Finance working farms, hobby farms, horse properties, or large residential acreage
Large Acreage Friendly
Unlike conventional loans, we can finance properties with significant land
Outbuilding Consideration
Barns, stables, and agricultural buildings can be included in financing
Flexible Terms
Loan structures designed for the unique needs of rural property buyers
Rural Expertise
Appraisers and underwriters who understand agricultural property values
How It Works
Your path to homeownership in just a few simple steps
Find Your Rural Property
Locate your ideal farm, ranch, or large acreage property.
Connect with Ag Lenders
We match you with specialized agricultural lenders who understand rural properties.
Rural Property Appraisal
Appraisers experienced with farms, outbuildings, and acreage assess your property.
Close and Move In
Complete your purchase and start your country living journey.
Find Your Rural Property
Locate your ideal farm, ranch, or large acreage property.
Connect with Ag Lenders
We match you with specialized agricultural lenders who understand rural properties.
Rural Property Appraisal
Appraisers experienced with farms, outbuildings, and acreage assess your property.
Close and Move In
Complete your purchase and start your country living journey.
Types of Farm & Ranch Loans
Choose the option that fits your situation
Working Farms
Active agricultural operations with income-producing crops or livestock
Hobby Farms
Smaller agricultural properties for personal use, gardening, or small-scale farming
Horse Properties
Equestrian properties with stables, arenas, and pastureland
Large Acreage
Residential properties with 10+ acres of land
Ranch Properties
Livestock operations with grazing land and ranch infrastructure
Agricultural Land
Land zoned for agricultural use with or without structures
Things to Consider
A reverse mortgage is a significant financial decision. Here's what you should understand before proceeding.
Acreage Limits Vary
Each lender has different acreage limits—some cap at 40 acres, while others can finance hundreds. We match you with the right lender.
Farm Income Qualification
Income from agricultural operations may or may not count toward qualification. Lenders vary on how they treat farm income.
Outbuildings & Structures
Barns, stables, and equipment buildings are factored into the appraisal. Some lenders limit the value of outbuildings vs. the residence.
Water & Mineral Rights
Water rights and mineral rights affect property value and may require additional documentation or separate valuation.
HUD-approved counseling is required to ensure you fully understand these factors before proceeding.
Loan Details
Documentation Required
- Standard income and asset documentation
- Property survey showing acreage boundaries
- Farm income records (if counting farm income)
- Water rights documentation (if applicable)
- Mineral rights status documentation
Eligible Property Types
- Working farms with active operations
- Hobby farms and homesteads
- Horse properties and equestrian facilities
- Large acreage residential (10+ acres)
- Ranch land with livestock operations
- Agricultural land with or without structures
Additional Info
- Property must include a primary residence
- Maximum acreage varies by lender program
- Rural property appraisers required
- Longer closing timelines typical for rural properties
Rural Property Considerations
| Factor | What to Know(This loan) |
|---|---|
| Acreage Limits | Maximum acreage varies by lender—some cap at 40 acres, others finance hundreds |
| Farm Income | Income from agricultural operations may or may not be counted for qualification |
| Outbuildings | Barns, stables, and equipment buildings affect appraisal and may have limits |
| Water Rights | Water rights can significantly impact property value and may require separate documentation |
| Mineral Rights | Mineral rights may be included or excluded—affects property value |
| Zoning | Agricultural zoning may be required; residential zoning may limit ag use |
* Rates and terms subject to change. Contact us for current offers.
Frequently Asked Questions
Common questions about Farm & Ranch Loans
Last updated:
Is there a maximum acreage limit for farm and ranch loans?
Acreage limits vary significantly by lender. Some conventional lenders cap at 10-40 acres, while specialized agricultural lenders can finance hundreds of acres. We work with multiple ag lenders to find one that fits your property.
Can I use farm income to qualify for the loan?
It depends on the lender and your situation. Some lenders count farm income if you have a track record; others focus primarily on off-farm income. If your farm is new, you may need to qualify on non-farm income initially.
How are outbuildings and barns valued in the appraisal?
Agricultural appraisers value outbuildings based on their condition, utility, and contribution to the property. Some lenders limit how much value can come from outbuildings vs. the primary residence.
- Yes, but water rights add complexity. We work with lenders experienced in properties with water rights, and you will likely need documentation proving your water allocation and any associated costs.
- Rural property loans typically take longer than suburban purchases—often 45-60 days or more. This is due to the complexity of rural appraisals, acreage surveys, and potential issues like water or mineral rights.
- Mixed-use properties (residence + commercial farm operation) can be financed, but lenders evaluate these differently. The residential portion must be the primary use; purely commercial agricultural operations require commercial ag loans.
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Ready to Finance Your Rural Property?
Let us connect you with lenders who understand farm and ranch properties
Or call us directly: (757) 558-2603