Residential farm & ranch loans

The house comes with acres. The loan should get that.

Homes on 5 to 160+ acres financed by lenders who get it: farm income counted, barns and second homes welcome, and 15/30-year fixed terms with no prepayment penalty.

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Program snapshot

Farm & ranch at a glance

Acreage: 5 to 160+, more case by case
The home: can be 25% of total value
Farm income: Schedule F counted
Structures: multiple homes and buildings OK
Terms: 15/30-yr fixed, no prepay penalty

See what I qualify for

Programs through specialty agricultural lending partners. Acreage, income, and property eligibility vary by program and change without notice. Not an offer or approval.

Conventional guidelines were written for cul-de-sacs.

We broker specialty agricultural lending partners whose programs were written for gates, barns, and back forties instead.

Flagship

160+

acres on one home loan

Acreage isn't a defect here

Conventional lending chokes when land drives the value: acreage caps, land-to-value limits, appraisal exceptions. Farm and ranch programs finance 5 to 160 acres and beyond as exactly what it is: the property you live on.

5 to 160 acres, more case by case
Land value can lead the appraisal
The home can be a quarter of the value

counts

your Schedule F farm income

Farm income helps, not hurts

Hay sales, cattle, boarding, a produce stand: conventional underwriting treats farm income as a complication. Here, Schedule F income is a normal part of qualifying, because the lender expected a farm all along.

Schedule F income in the math
Hobby operations welcome
Ag exemptions don't break the file

15/30

year fixed, no prepay penalty

Mortgage terms, country property

Long fixed terms at real-property pricing, refinancing available, and no penalty for paying early. The loan behaves like a mortgage because it is one, just written by someone who's seen a barn before.

15 and 30-year fixed terms
Purchase and refinance both
No early-payment penalties

The properties banks fumble

If it has a gate, a barn, or a brand, it belongs here.

Barns, shops, and second homes

Multiple structures and even multiple homes on one property are fine here: the barn, the equipment shop, the guest house, the in-law cottage. Conventional appraisals stumble over outbuildings; these programs expect them.

Horse properties and hobby farms

Equestrian setups, small orchards, vineyards-in-progress, and weekend cattle operations are the core of this program, not the exception. If the county calls it agricultural, that's a feature, not a declination.

Recreational and mixed-use acreage

Hunting woods behind the house, hay fields under lease, timber on the back forty: mixed-use land that makes conventional underwriters nervous is priced calmly here, income and all.

When the operation is the point

If the property is primarily a working business, a production farm, dairy, or commercial ranch, the commercial agriculture page is your lane, with operation-strength underwriting to match. One conversation sorts which side of the fence you're on.

Tell us about the whole property, proudly.

1
Describe the property honestly
Acres, structures, what the land does, and any farm income. The parts that scare banks are the parts we need.
2
We route it to ag-fluent lenders
Specialty farm and ranch programs quoted with your Schedule F counted and the acreage priced as an asset.
3
Close on the whole property
One loan for the house, the land, and the buildings, on terms that behave like a normal mortgage.

Send my property

Family leading a horse toward a red barn beside their farmhouse on rolling acreage

The quick eligibility check.

5 to 160+ acres
Home can be 25% of total value
Schedule F income counted
Multiple homes and structures
15 and 30-year fixed terms
No prepayment penalties

Running a production operation instead? Commercial agriculture underwrites the business. Just buying the ground for now? Land and lot loans hold it until you build.

Straight answers

Why did my bank decline a perfectly good farm property?

Conventional guidelines cap how much of a property's value can sit in land, squint at outbuildings, and stumble on agricultural zoning and income. None of that means the property is unfinanceable; it means the file was in the wrong building. Farm and ranch programs were written for exactly what you're buying.

How much acreage can I finance?

Programs comfortably run from 5 to 160 acres, with larger holdings handled case by case, and multiple parcels can combine into a single loan. The land's value can lead the appraisal instead of being capped against the house.

Does my farm income help me qualify?

Yes, and that's rare. Schedule F income from hay, livestock, boarding, or crops enters the qualifying math like the lender expected it, because they did. Off-farm W-2 income combines with it naturally.

The house is modest but the land is spectacular. Problem?

Not here. The dwelling can represent as little as a quarter of the property's total value, lower case by case, which is precisely the ratio that breaks conventional appraisals and doesn't break these.

Can I refinance a farm property I already own?

Yes, both rate-and-term and equity-out structures exist, and consolidating a patchwork of land and home debt into one clean loan is a common request.

Where's the line between this and a commercial farm loan?

Purpose. If the property is primarily your home with agricultural life around it, you're here. If the operation is primarily a business, revenue-first, production-scale, that's our commercial agriculture page, underwritten on the operation's strength. We'll place you honestly in the first call.

The right property has acreage. So should your lender's imagination.

Two minutes to describe the place: land, buildings, animals, and all. No cost, no obligation, and a quote from lenders who've seen a barn.