Farm & Ranch Loans

Is your heart set on country living? A rural retreat somewhere outside of the city with home and acreage where you can have livestock, pastureland, outbuildings, and the lifestyle of living in the country? A place with no nearby neighbors, where you can raise chickens, grow your fruits and vegetables, and have horses, goats, or cattle? A home with enough acreage where your kids can experience the outdoors, ride ATVs, go fishing, and hunting, learn about the animals, and enjoy the outdoors? We have just the program for you!

Owning a farm does not have to be a full-time job. Most hobby farmers have a source of income separate from the farm, such as a non-farming job, a pension, retirement fund, or trust fund. A hobby farm is just that: a hobby.

Imagine the possibilities - financing for vineyards, equestrian properties, cattle, and rural properties with homes on acreage. Ag Financial Funding is pleased to offer funding for these properties with ten acres or more through our Rural Living Home Mortgage Program.

Our rural residential program can make your dream of living in the country on your land a reality. Whether you are a first-time home buyer or looking for your dream property to retire, we can help make it happen!

This is a wonderful opportunity to take advantage of flexible, customizable long-term financing options for properties with acreage and agricultural characteristics.

If you are interested in owning a hobby farm, consider a Rural Hobby Farm loan with a fixed interest rate from Ag Financial Funding.  

PROGRAM HIGHLIGHTS

• Down payments as low as 25%
• Credit score of 680 
• Fixed-rate loans from 10 years to 30 years 
• Minimum loan size – $250K
• Minimum acreage – 10 acres
• Multiple properties or contiguous parcels
• Outbuildings, sheds, and other land improvements allowed

For any vineyard to be successful, you must acquire or grow quality grapes. Focusing on these essentials requires experience and time, which is why you need to work with partners who are willing to meet you right where you are and who are eager to invest in your future.

Our experienced team has secured vineyard financing with dozens of vineyards throughout California's Central Valley and across the United States.

If you seek a vineyard loan to purchase or refinance your current loan for a better rate and term, or if you're looking to access your equity capital to cover day-to-day operating costs or expand your operation. Ag Financial Funding is your trusted agricultural lender.

We can customize your loan request to fit your borrowing needs. For example, you can choose your repayment schedule with monthly, semi-annual, or annual payments.

Ag Financial Funding provides you with the information and resources you need to make informed decisions. Vineyard owners have many loan options from Ag Financial Funding, starting a vineyard, purchasing an existing winery or vineyard, or expanding their winery or vineyard business. Our loan programs offer competitive rates and top-of-the-line service. 

PROGRAM HIGHLIGHTS

• Down payments as low as 25%
• A credit score of 680 or higher
• Fixed-rate loans from 10 to 30 years 
• Minimum loan size – $250K
• Minimum acreage – 10 acres
• Multiple properties or contiguous parcels
• Manufactured homes, outbuildings, sheds, and other land improvements allowed
• No pre-payment penalties
• Cash-out available for improvements
• Up to 75% loan-to-value 

Is your heart set on country living? A rural retreat somewhere outside of the city with home and acreage where you can have livestock, pastureland, outbuildings, and the lifestyle of living in the country? A place with no nearby neighbors, where you can raise chickens, grow your fruits and vegetables, and have horses, goats, or cattle? A home with enough acreage where your kids can experience the outdoors, ride ATVs, go fishing, hunting, learn about the animals, and enjoy the outdoors? We have just the program for you!

Owning a farm does not have to be a full-time job. Most hobby farmers have a source of income separate from the farm, such as a non-farming job, a pension, retirement fund, or trust fund. A hobby farm is just that: a hobby. Imagine the possibilities - financing for vineyards, equestrian properties, cattle, and rural properties with homes on acreage. Ag Financial Funding is pleased to offer funding for these properties with ten acres or more through our Rural Living Home Mortgage Program. Our rural residential program can make your dream of living in the country on your land a reality. Whether you are a first-time home buyer or looking for your dream property to retire, we can help make it happen!

This is a wonderful opportunity to take advantage of flexible, customizable long-term financing options for properties with acreage and agricultural characteristics. If you are interested in owning a hobby farm, consider a Rural Hobby Farm loan with a fixed interest rate from Ag Financial Funding.  

PROGRAM HIGHLIGHTS

• Down payments as low as 30%
• Credit score of 680 
• Fixed-rate loans from 10 years to 30 years 
• Minimum loan size – $250K
• Minimum acreage – 10 acres
• Multiple properties or contiguous parcels
• Outbuildings, sheds, and other land improvements allowed

We are proud to offer financing to boarding, training, and horse breeding operations. We can use the seller's existing income from the current process to help qualify you for the income debt coverage for purchases. Our income requirements for debt service include both farm and non-farm income and can provide funding even if the horse operation is not your primary source of income. 

In determining your property's value, we include the land, residence, and equestrian facilities. Our maximum loan to value is 70%. As with our commercial farm and ranch loan, there is no pre-payment penalty and no cash-out percentage limit. As a result, you can make the improvements you need to grow your operation and have the comfort of knowing that you will never be penalized for paying off your loan ahead of schedule.

PROGRAM HIGHLIGHTS

• Down payments as low as 30%
• A credit score of 680 or higher
• Fixed-rate loans from 10 to 30 years 
• Minimum loan size – $250K
• Minimum acreage – 10 acres
• Multiple properties or contiguous parcels
• Manufactured homes, outbuildings, sheds, and other land improvements allowed
• No pre-payment penalties
• Cash-out available for improvements
• Up to 70% loan to value 

We specialize in Real Estate loans for citrus, almond, pistachio, avocado, walnut, and other orchard operations. We include the permanent plantings in the land valuation and offer loans up to 70% of the value. Providing financing for both purchase and refinance, with cash-out options available.  

We are a nationwide lender with loan terms up to 30-year fixed rates. In addition, we offer no pre-payment penalties loans.

Customizable re-payment plans include monthly, semi-annual, and annual payments.  

Many of our clients are investors with other successful businesses who enjoy the tax advantages of owning depreciable permanent plantings. We will consider your short- and long-term goals when creating a customizing loan for you.

PROGRAM HIGHLIGHTS

• Down payments as low as 30%
• A credit score of 680 or higher
• Fixed-rate loans from 10 years to 30 years 
• Minimum loan size – $250K
• Minimum acreage – 10 acres
• Multiple properties or contiguous parcels
• Outbuildings, sheds, and other land improvements allowed 

If you’re a row crop farmer or looking to purchase land to grow row crops, it’s important that you maximize your operation to get the most out of your land. Looking to expand your existing row crop operation? Ag Financial Funding will team up with you to maximize your farm’s potential. Ag Financial Funding has partnered with row crop farmers nationwide and is happy to tailor your loan to meet all your borrowing needs. Our team brings decades of experience and understands the unique challenges that agricultural work brings. 

PROGRAM HIGHLIGHTS

• Down payments as low as 30%
• A credit score of 680 or higher
• Fixed-rate loans from 10 to 30 years 
• Minimum loan size – $250K
• Minimum acreage – 10 acres
• Multiple properties or contiguous parcels
• No pre-payment penalties
• Cash-out available for improvements
• Up to 70% loan to value

We offer financing for vacant land with ten or more acres. Land can be used for cattle grazing, hobby farm, recreation, building a home, or placing a manufactured home, including various agriculture purposes. We can help make your land ownership dream a reality.

We offer loans with fixed interest rates up to 30 years or adjustable-rate products – customizable to fit your financial needs and goals. We will need a detailed plan of the intended use of the land. Manufactured homes with or without permanent foundations are okay.  

PROGRAM HIGHLIGHTS

• Down payments as low as 30%
• A credit score of 680 or higher
• Fixed-rate loans from 10 to 30 years 
• Minimum loan size – $250K
• Minimum acreage – 10 acres
• Multiple properties or contiguous parcels
• Manufactured homes, outbuildings, sheds, and other land improvements allowed
• No pre-payment penalties
• Cash-out available for improvements
• Up to 70% loan to value 

New or existing commercial greenhouses or nurseries can be financed with Ag Financial Funding’s loan programs. Certain types of greenhouses (metal structures) are often considered equipment.  To finance, and in some situation’s loans with a line of credit may also be appropriate. Many growers need a year-round greenhouse but struggle to finance the full project upfront. Below are several financing options Ag Financial Funding offers. 

PROGRAM HIGHLIGHTS

• Down payments as low as 30%
• A credit score of 680 or higher
• Fixed-rate loans from 10 to 30 years 
• Minimum loan size – $250K
• Minimum acreage – 10 acres
• Multiple properties or contiguous parcels
• No pre-payment penalties
• Cash-out available for improvements
• Up to 70% loan to value