We finance and refinance all types of land and land improvements used for agricultural purposes. We also offer financing for recreational land, and rural home lots and acreages through Rural 1^st®.

We offer competitive fixed-, interim-fixed, variable- or adjustable-rate loans on new land purchases or refinanced land loans. If your financial needs change, you can convert a variable-rate loan to a fixed-rate loan. Fees may apply.

To find out more about interest rates, contact the nearest FCSAmerica local office by submitting your contact information in the form below, call 800-884-3276 or locate the office.

We offer flexible terms, including long-term options. Financing can be fixed to the maturity of the loan, intermediate fixed term or variable, either through the entirety of the loan or locked at a time of your choosing. All loans have the flexibility to mirror payments with income flow, ranging from monthly to annually.

You can choose monthly, quarterly, semiannual or annual payment schedules to meet your cash flow expectations. We also offer fully or partially amortized loans, and decreasing, even or accelerated payment schedules.

Visit our loan payment calculator to estimate your loan payment amount.

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 1^st® loans.