“One of the really nice things about using Farm Credit for real estate is the one-time closing and being able to pay back early if I wanted. I enjoy the cash-back dividend that I get on my real estate as well.”
Grain and Pork Producers | South Dakota
“Farm Credit is very flexible in aligning your payment terms and they have the most competitive rates out there. I haven’t had a reason to look anywhere else.”
Grain and Beef Producers | Iowa
“We were very attracted to their interest rates and the long term that they got. It made it easy to understand your payments and what they were going to be every year. That was a big deal getting started for us.”
Grain and Pork Producers | Nebraska
"Farm Credit helps match our cash flow needs with our real estate payments."
Sheep Producers | Wyoming
"My financial officer walked me through all my options and helped me get my first land purchase."
Grain Producers | South Dakota
This is an estimate of payments for various loan types including farm loans, land loans, ranch loans, livestock loans and ag loans.
Adjust as market conditions change throughout the life of your loan.
Fixed rate for an agreed-upon period, after which loan adjusts to a variable-rate loan.
Primarily, financing may be provided for the following eligible borrower categories:
You can apply online or in-person. We offer a streamlined process that is quick and easy, and you'll be connected with a financial officer who has a deep understanding of real estate loans.
To expedite the application process, please gather this information:
Your financial officer also will request the following in order to help you complete the application:
On new purchases, down payments of 35% are typical on many land loans. The amount of the down payment is impacted by many factors and is specific to each credit request.
Deposits or earnest money can vary based on seller requirements. In some instances, all or a portion of the down money may be non-refundable. Contact the seller, auctioneer or real estate agent for details.
We have competitive loan fees, including no application fee.* We also offer loans without prepayment penalties after the first year.
Fees associated with real estate often include title work, appraisal, abstracts, filing/recording, flood determination and others. Fees are the responsibility of the buyer unless otherwise outlined or negotiated.
*Does not apply to farm construction loans or Rural 1st® loans.
If any of the specifics of your credit application changes, we'll need to re-evaluate the approval to reflect those new details.
We finance every aspect of a farm and ranch operation. Discover the difference and check out our other products.
Contact us if you have questions or need more information.
