Farm Land Purchase Loans
Financing Built Around Your Operation
Whether you’re buying your first farm, expanding acreage you already work, or purchasing farmland as an investment, Ag Lending Group finds and structures the right land purchase loan for your operation — not a generic commercial mortgage.
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Buy your first farm or ranch
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Investment Farmland
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Expand your farm operation
Farmland Loans Designed With You In Mind:
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A fixed interest rate for the life of the loan, with terms up to 30 years — choose 10, 15, 20, 25, or 30-year options. If your amortization schedule runs longer than your loan term, the loan carries a balloon payment at maturity. For example, a 15-year term with a 25-year amortization schedule means your payments are calculated as if paid over 25 years, but the remaining balance comes due as a balloon payment at year 15.
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A fixed rate for an initial period, then the rate adjusts and locks again for the same period, repeating for the life of the loan. We can typically secure 7/1 and 10/1 ARM options — for example, a 10/1 ARM is fixed for the first 10 years, then reprices every year after that.
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A fixed rate for an initial period, then the rate adjusts and locks for the shorter of that same period or your remaining loan term. We can typically secure 1-, 3-, 5-, 10-, and 15-year VRM options.
Credit Guidelines:
We match you to lenders that fit your operation, but here’s generally what you’ll need to qualify:
Our Process
Tell Us About Your Operation
First we'll want to learn about your farm, ranch, goals, financial situation and what type of financing you are looking for.
Complete Your Application
We'll review your financials to make sure your application accurately represents your operation and is ready to be presented to lenders.
We Compare Lending Options
Once your application is ready, we'll present it to our select network of agricultural lending partners and compare loan options to find the best fit for your operation.
It’s Time to Close Your Loan
After you've been approved for the loan, we'll guide you through the closing process and be available to answer questions every step of the way.
Qualified Property Types
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![A vast agricultural field with neatly aligned rows of green crops, under a bright blue sky with a few wispy clouds, and a distant tree line and hills in the background.]()
Row Crop Farms
Our row crop farm mortgage loans can be used to purchase existing crop farms, bare farmland, or farmland with homes, shops, grain bins, and other agricultural improvements. Whether you're starting a new operation, adding acres, or refinancing an existing farm mortgage, we'll help you find financing that fits your goals. -
![A cowboy riding a horse watching a herd of cattle in an open field with mountains in the background on a misty day.]()
Cattle Ranches
Our cattle ranch mortgage loans can be used to purchase working ranches, grazing land, or property with homes, barns, corrals, fencing, and other ranch improvements. Whether you're starting a new ranch, expanding your operation, or refinancing an existing ranch mortgage, we'll help you find financing tailored to your operation. -
![A person driving a utility vehicle or small tractor through an apple orchard during harvest, with apple trees laden with red apples on the left side of the image and a grassy path leading into the distance.]()
Fruit Orchards
Our orchard mortgage loans can be used to purchase established orchards, bare land for new plantings, or properties with homes, packing facilities, storage buildings, and other agricultural improvements. Whether you're planting your first trees, expanding your orchard, or refinancing an existing farm mortgage, we'll help you secure financing tailored to your goals. -
![A line of black and white Holstein cows, standing in a row at a dairy farm, feeding from a feeding trough with a farm building and sky in the background.]()
Dairy Farms
Whether you're purchasing an existing dairy, buying farmland with barns and facilities, investing in bare land to build a new operation, or refinancing your current dairy property, we'll help you find the right mortgage solution for your goals. -
![Rolling hills of a vineyard during sunset, with a winding dirt road through the rows of grapevines and a large house or estate on the hilltop in the distance.]()
Vineyards
Our vineyard mortgage loans can be used to purchase established vineyards, bare land for new plantings, or properties with homes, wineries, equipment buildings, and other agricultural improvements. Whether you're starting a vineyard, expanding your acreage, or refinancing an existing farm mortgage, we'll help you find financing that fits your operation. -
![A large red barn on farmland with two white grain silos beside it, under a blue sky.]()
Livestock Operations
Our livestock farm mortgage loans can be used to purchase poultry or swine operations, bare agricultural land, or properties with homes, barns, livestock housing, feed storage, and other agricultural improvements. Whether you're starting a new operation, expanding your facilities, or refinancing an existing farm mortgage, we'll help you find financing built around your business. -
![A person kneeling on the ground in a garden or farm, tending to young plants, wearing a cap, ripped jeans, and work boots, with trees and a clear sky in the background.]()
Specialty Crops
Our specialty crop mortgage loans can be used to purchase farms growing herbs, hemp (where eligible), flowers, vegetables, organic crops, and other non-traditional agricultural operations. Whether you're purchasing established farmland, investing in bare land to build your operation, or refinancing an existing farm mortgage, we'll help you find financing that supports your long-term success. -
![Family hiking outdoors on a sunny day with a father, mother, and two children, walking on a dirt trail through greenery, with the father holding hands with a young boy and the mother carrying a toddler.]()
Hobby Farms
Our hobby farm mortgage loans are designed for income-producing farms and ranches that may not be the owner's full-time occupation. Whether you're purchasing a small cattle operation, horse property, hay farm, vineyard, orchard, or other working agricultural property with bare land, a home, barns, or outbuildings, we'll help you find financing that fits your operation. We also help farmers refinance existing farm mortgages to improve cash flow or secure better loan terms.
Words From Our Clients
Ready to Take the Next Step?
Tell us a little about your farm, ranch, and financing needs. Our team will review your information and follow up to help you understand your options.
Send it over and let's start the conversation.