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Agricultural Land Loans

Tailored land loans for agricultural real estate, featuring variable and fixed-rate options designed to foster long-term growth.

Loan Product Benefits

Agricultural real estate loans designed for you.

Our agricultural land loans offer unparalleled benefits that evolve with the needs of farmers. We're committed to building modern and scalable solutions that support you at every stage of your operation.

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Flexible Payment Schedule
Customize your payment schedule to align perfectly with your income and operational timeline.
Fast Financing Options
Our credit score-based loan program ensures quick approval, providing you with rapid access to capital.
Competitive Rates & Terms
Unlock growth and long-term stability with our variable and fixed-rate options that extend up to 30 years.
Land Loan Rates & Terms

Reap the benefits of short-term security with long-term flexibility.

Don’t wait on the fed to cut rates. A long-term conventional land loan with a short-term adjustable-rate (ARM) combines features of both fixed and variable rates giving you more stability for what matters most.

3-Year ARM1

5.84%

15-20 year term

5.85%

25-30 year term

5-Year ARM2

5.91%

15-20 year term

5.94%

25-30 year term

10-Year ARM3

6.53%

15-20 year term

6.66%

25-30 year term

15-Year ARM4

6.78%

15-20 year term

6.93%

25-30 year term

All rates are updated daily. See terms and conditions.

FAQS
Adjustable Rate Mortgage Loan Questions

Short-term adjustable rate financing offers initial lower interest rates that adjust periodically based on market conditions, providing flexibility and potential cost savings for borrowers over shorter loan durations. The interest rate will adjusts based on the loan terms - after an initial fixed-rate period, allowing borrowers to potentially benefit from lower rates when market conditions are favorable.

(1) 3-YEAR Variable Rate Mortgage (VRM) Example: The monthly payment for a 30-year term with a 30-year amortization, loan amount $500,000.00, Rate 5.84%, LTV 60% is $2,946.51 for full Principal and Interest Payments. Payment shown does not include closing fees, taxes, and insurance. Interest rates are for informational purposes only and are subject to change during the diligence process.

 

(2) 5-YEAR Variable Rate Mortgage (VRM) Example: The monthly payment for a 30-year term with a 30-year amortization, loan amount $500,000.00, Rate 5.91%, LTV 60% is $2,968.88 for full Principal and Interest Payments. Payment shown does not include closing fees, taxes, and insurance. Interest rates are for informational purposes only and are subject to change during the diligence process.

 

(3) 10-YEAR Variable Rate Mortgage (VRM) Example: The monthly payment for a 30-year term with a 30-year amortization, loan amount $500,000.00, Rate 6.53%, LTV 60% is $3,170.21 for full Principal and Interest Payments. Payment shown does not include closing fees, taxes, and insurance. Interest rates are for informational purposes only and are subject to change during the diligence process.

 

(4) 15-YEAR Variable Rate Mortgage (VRM) Example: The monthly payment for a 30-year term with a 30-year amortization, loan amount $500,000.00, Rate 6.78%, LTV 60% is $3,252.97 for full Principal and Interest Payments. Payment shown does not include closing fees, taxes, and insurance. Interest rates are for informational purposes only and are subject to change during the diligence process.

 

Terms, conditions, and state restrictions apply. Before you apply for a land loan with AgAmerica, please note that all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and loan amount.

 

Rates advertised are for highly qualified buyers. Subject to a full underwrite and credit approval. Products, rates, benefits, terms, and conditions are subject to change during the diligence process. Information current as of 7/17/24.

We're here to support you. Let's talk.

Give us a call at 863.607.4975 to speak with an agricultural financial expert.

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