Farm and ranch financing for Texas land.
Financing for agricultural land, working ranches, and rural property, with guidance on the details that make these loans different from a typical home loan.
Why land loans are different
Rural property is not valued like a house in a subdivision. Lenders look at how the land is used, the acreage, improvements such as a home, barns, fencing, and water, road access and utilities, and any income the land produces. Appraisals rely on comparable rural sales, which can take more time to find.
Who it's for
- Buyers of working farms and ranches
- Families buying acreage with a home
- Ranchers adding land to an existing operation
- Buyers of rural or recreational land
What lenders typically review
- Acreage and how the land is used
- Improvements: home, barns, fencing, wells
- Access, utilities, and surveys
- Income from the land, if any
- An appraisal using comparable rural sales
From first call to closing.
Every deal is a little different. Here is the general path, and we will tailor it to you.
- 1
Tell us about the land
Location, acreage, improvements, and your plans.
- 2
Match the program
We help identify financing that fits the property and use.
- 3
Appraise and review
Survey, appraisal, and underwriting.
- 4
Close
Take ownership of your land.
Farm & Ranch questions.
Have a question that is not here? Ask us. No question is too basic.
Can I finance land with a home on it?
What about agricultural tax valuation?
Why do rural appraisals take longer?
Related programs.
All loans are subject to credit approval, underwriting, and property review. Program availability, terms, and requirements vary and can change. This page is general information, not a commitment to lend. We will explain the requirements for any program before you apply.
Questions about farm and ranch financing?
Tell us what you are working on, and we will walk you through whether this program may fit.
