Farm tractor harvesting corn in a field with a wind turbine in the background.

Farm Land Loan Refinance

If your current farm land loan no longer fits your operation, we can help you refinance into lower payments, better terms, and improved cash flow for the season ahead.

What Refinancing Can Do For Your Operation:

  • 1. Lower Your Payments


    Refinancing into a lower rate or a longer term can meaningfully reduce your monthly payment, freeing up capital for operating expenses or expansion.

  • 2. Better Loan Terms


    Move from a variable or adjustable rate into a fixed rate for the certainty of a locked-in payment, switch into an ARM or VRM structure if that fits your plans better, extend your amortization, or restructure covenants that no longer match your operation.

  • 3. Improve Cash Flow


    Consolidate multiple land-secured obligations into a single, more predictable payment.

  • 4. How Refinancing Works


    We review your current loan terms, your operation’s financials, and your goals, then structure a refinance option that improves your position.

Credit Guidelines:

We match you to lenders that fit your operation, but here’s generally what you’ll need to qualify:

Debt-to-Asset Ratio
50% or less
Total debts divided by total assets
Current Ratio
At least 1.25:1
Current assets divided by current debts
Debt Service Coverage
1.25:1 or better
Debt service coverage ratio (DSCR)
Credit History
680 or above
Recommended credit score
Talk to a Land Loan Specialist

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.

Real Clients, Real Results

David Hernandez, Raisin Farmer
Kerman, California

Farm Loan Refinance FAQs

When you can lower your payment or rate, get out of a balloon note before it comes due, pull out equity for the operation, separate debt that's tied together at one bank, or move to a lender that fits your operation better.

When does it make sense to refinance a farm loan?

1

Yes, and starting 12 to 24 months before maturity gives you the most options. Waiting until the last few months means taking whatever terms are offered.

Can I refinance a balloon note before it matures?

2

Often yes, if you have enough equity. Lenders usually cap the total loan at a percentage of the appraised value and want to know what the cash is for.

Can I take cash out when I refinance farmland?

3

What does it cost to refinance a farm loan?

4

Expect an appraisal, title work, recording fees and possibly loan fees. Check whether your current loan has a prepayment penalty before you start.

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.