FAQS: Farm Mortgage Loans

AgAmerica is one of the nation’s leading agricultural land lenders, headquartered in Lakeland, Florida with a West Coast presence in Boise, Idaho.

We’d love to hear from you. Please visit our contact us page to get started.

AgAmerica’s land loans differentiate from those of traditional lenders and financial institutions because they are assembled specifically for your operation’s unique goals. Our loan packages are built with a variety of products such as our 10-year interest-only lines of credit, 30-year term loans, and even alternative financing loans.

AgAmerica’s unique spectrum of land loan products have terms (lengths) ranging from 18 months to 30 years. While the specific terms vary by product, you can have confidence that every loan package is custom-built with our client’s financial goals in mind.

Yes, our lending experts work with you to leverage the value of your land in order to gain access to the capital you need—all the while building terms to keep your most valuable assets protected and positioned for growth in the future.

You understand your business better than anyone and we stand by the belief that it’s your right to run your operation as so. We encourage you to use your funds for any business purpose you deem necessary.

Yes, our flexible financing supports the complex needs of our American farmers and ranchers through global consolidation and refinancing on agricultural related debt.

We do not currently offer equipment loans; however, because our loans are secured by land collateral, you have the flexibility to choose how to use your funds for your operation.

Whether you’re expanding your operation or transitioning it to the next generation, our Accelerate program offers flexibility that conventional lending just can’t match. Take a look at some of its perks:
– Fixed-rate financing
– Up to $2.5MM in the loan amount
– Cash-out options
– Credit decisions in typically 48-hours
– Convenient digital application
– Limited financial documentation required

Similar to a credit card, our 10-year LOC offers borrowers a revolving credit that can be accessed anytime, for any reason. Funds are available through the life of the loan and interest is only acquired on the portion that is borrowed.

No—you face enough disruptions to your operation. We believe in responsible lending which means keeping your focus on the land by efficiently using your time.

Yes, we do! AgAmerica can finance your recreational land purchase with customized 18 months to 30-year terms so you can enjoy your hunting property now, and for years to come. Visit our agricultural financing page to learn more.

Absolutely, our sales and underwriting teams are ready to work alongside you and your CPA or financial adviser to assist with this process.

We currently do not offer 100% financing for real estate loans. On a first mortgage, we lend up to 75% based on the value of your collateral property. To learn more, read our blog that explains the pros and cons of zero money down farm loans.

No, our land loans are for anyone looking to purchase or refinance 25 or more acres of agricultural-zoned land. AgAmerica can finance agricultural farm and ranch properties, citrus grove conversions, recreational land, and even raw land parcels.

There are four qualifications you must meet to be eligible for a land loan with AgAmerica.
– You must own or plan to buy 25+ acres of agricultural land.
– The total loan amount you’re seeking must be $50,000 or more.
– The loan amount must be less than 75% of the property’s value.
– You must be an American citizen or US resident alien.
Get started by taking our quick loan verification quiz.

Typically if the property has been appraised within the last 8 months, we are able to potentially work with that appraisal. However, in most cases an appraisal is required. Our team is happy to help you with this process. Contact our team to learn more.

If you’ve experienced any of the following changes to your financial portfolio, it may be a good time to refinance:
– An increase in your credit score;
– A debt payoff;
– Growth in operational revenue or collateral; or
– A drop in the interest rates on agriculture loans

After submitting your payment following the steps for “Make a One-Time Payment as a Guest”, the confirmation page will list three options. You can Enroll With Your Current Information, Return to Home, or Logout. Click “Enroll With Your Current Information” to proceed with enrolling and creating a login.

Please check your “spam” or “junk” mail. If the email still cannot be located, we will send you another activation email. Please contact servicing by email or phone for assistance.

Check your email after your first payment and click on the “Activate your Account” link. You will need to Activate your Account in order to log in.

The link has expired. Please contact AgAmerica Servicing by email or phone and we will send you a new activation email.

Please contact AgAmerica Servicing, click here.

Once you enroll as a user, you will have the option to set up Auto-Pay. The Auto-Pay option is located on the Home page in the column on the right-hand side of the screen. The Auto-Pay option will not be visible until you have created an account and logged back in.

Utilize the “Forgot your Login ID?” link on the Login home page and you will be emailed this information. You may also contact our team by clicking here.

It is preferred for a Log in and Password to be established for each loan number. However, you may combine each loan payment under one Log in but a comment must be made in the Payment Instructions box as to how the funds should be distributed to each loan number.

Yes, you can access a step-by-step user payment guide by clicking here.