Farm & Ranch Loan
Financing for life on more land: homes on acreage, hobby farms, ranchettes, and equestrian property. We shop specialty lenders built for rural homes the standard box turns away, and we will tell you honestly when a property belongs with an ag lender instead.
Is this you?
How it works
Conventional financing has no hard acreage cap. What matters is that the property appraises as residential, its value leans toward the home rather than the land, and it isn't run as a working farm. A house on forty acres with a barn can still be a home loan.
When more land, outbuildings, or a hobby-farm or equestrian setup pushes a property past agency guidelines, specialty rural lenders are built exactly for it, tolerating features a conventional loan won't. That's the newer access we shop on your behalf.
USDA has home loans for eligible rural addresses, with a location test and an income test, and the home can't be income-producing. True farm and ranch operations route to Farm Credit or the USDA Farm Service Agency. We tell you which lane your property is in before you spend time on the wrong one.
What you'll bring
A starting list, not a final one. Every rural file is a little different, and we'll tell you exactly what yours needs.
Common questions
We finance rural residential property: homes on acreage, hobby farms, ranchettes, and equestrian homes where the residence is the primary use. A commercial, income-producing farm or ranch operation is an agricultural loan that runs through the Farm Credit System, the USDA Farm Service Agency, or an ag bank, not a residential broker. If that's your situation, we'll point you in the right direction honestly.
Conventional financing has no hard acreage cap. What matters is that the property appraises as residential, that its value is weighted toward the home rather than the land, and that it isn't used as a working farm. Larger or more land-heavy parcels can often still be financed through specialty rural lenders.
Often yes. If the home is the primary use and the property isn't generating meaningful agricultural income, it can qualify, sometimes through conventional financing, sometimes through a specialty rural program built specifically for acreage, barns, and horse facilities.
Buying land before there's a home is a land loan, which is a separate product from a mortgage. Land loans typically carry larger down payments and shorter terms because there's no dwelling securing the loan. Ask us and we'll lay out the options for your situation.
USDA has a home loan for eligible rural addresses, but it comes with a location test (the address must be in a USDA-eligible rural area) and a household income test, and the home can't be income-producing or used for agriculture. We check your address and income up front so you know early whether it fits.
Keep exploring
Zero-down home financing for eligible rural addresses, with a location and income test.
Learn moreOften the path for a home on acreage that appraises as residential and isn't a working farm.
Learn morePlanning to build on the land? Finance the build in stages, then convert to a permanent loan.
Learn moreThis page is informational and not a commitment to lend or a guarantee of any rate or term. Rural and specialty loan programs, eligibility, property requirements, and terms vary by lender and are subject to credit approval, income and asset verification, and property appraisal; not all applicants or properties will qualify. Financing for working agricultural operations is a separate category we do not originate.
Get started
One conversation tells us which lane your property is in, home loan, specialty rural program, or an ag lender, before you spend time on the wrong one. No pressure either way.
