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FAQS: Farm Mortgage Loans

Applying for a loan shouldn't be hard. Let us help you through the process by answering your commonly asked questions.


Where is AgAmerica located and what states do you lend to?

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

What is the best way to reach someone to discuss my financial goals?

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

What type of loans are available to buy land?

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.

How long are your terms for financing land?

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.

Can I get a loan using my land as collateral?

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.

What type of restrictions do you have around use of funds?

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.

Do you offer refinancing for agricultural property?

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

Can you do equipment loans or can you help me buy livestock?

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.

What types of benefits are offered by AgAmerica’s Accelerate program?

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

How does AgAmerica’s Line of Credit work?

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.

Do you require mandatory rest periods or pay-downs on your revolving line of credit?

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.

Does AgAmerica offer loans for hunting land?

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.

Do you offer help with the loan application process?

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

Does AgAmerica offer 100% financing for farm loans?

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.


Are land loans for farmers only?

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.

How do I qualify for a loan with AgAmerica?

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.

If I get approved, does an appraisal need to be ordered on the property?

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.

When’s the right time to refinance my farm loan?

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


How do I enroll so I don’t have to keep re-entering my bank information for future payments?

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.

I did not receive the activation email when I enrolled.

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.

I enrolled after I made my payment, but I am not able to log in.

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 “activate your account” link no longer works in my email.

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

I am locked out of my login account.

Please contact AgAmerica Servicing, click here.

How do I set up auto-pay?

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.

What do I do if I forgot my password?

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.

If I have more than one loan number how do I make the payment for each loan?

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.

Is there a step-by-step guide to help me complete a payment?

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

Have More Questions?

Don’t be shy, reach out to our team and let us help you find a financing solution that meets your needs and long-term goals.

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AgAmerica - An Equal Opportunity Lender


AgAmerica Lending® LLC is a licensed mortgage lender. NMLS ID# 372267

Copyright AgAmerica® LLC 2023. All Rights Reserved.

Sign-up for our newsletter!

AgAmerica - An Equal Opportunity Lender

AgAmerica Lending® LLC is a licensed mortgage lender. NMLS ID# 372267

Copyright AgAmerica® LLC 2023. All Rights Reserved.