Now through October 31, refinance an existing ag loan from another lender and we’ll take care of the closing costs. Apply today at FarmLend.com/refi.
Fixed rates for the life of a land loan or interim-fixed, variable or adjustable rates, including rate conversions.
We offer flexible terms, including long-term options on our farm mortgage loans.
Choose monthly, quarterly, semiannual or annual payments to meet your cash flow needs.
We have paid more than $2.9 billion in cash-back dividends to eligible customer-owners since 2004.
FarmLend.com allows you to easily apply online for a Farm Credit Services of America land loan. It offers a secure, simple online process so you can move quickly on a land sale, or easily start a refinance. Apply when it is convenient for you and receive a response within three business hours.
Land loans are still closed and serviced locally through Farm Credit Services of America.
Grain and Pork Producers
This is an estimate of payments for various loan types including farm loans, land loans, ranch loans, real estate loans and ag loans. The actual loan payment amounts may vary depending on the interest rate, closing date and other factors.
See terms that apply.
*Does not apply to construction loans.
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 1st®.
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 1st® loans.
Real estate financing decisions are made on a mix of information which may include a credit bureau report and one or more years of a statement of financial position (balance sheet), income statement (tax return) and/or projection.
You'll enter information about the land you want to purchase, the type of loan you desire and the applicant's assets, liabilities and income. You can apply online or through the nearest local FCSAmerica office by calling 800-884-3276 or locating your local office.
We offer quick decisions on loan applications. We provide a response within three business hours. The online application takes about 10 minutes to complete.
Once all required financial and application information is gathered, we can typically process approvals in 7-10 business days. Financing decisions are based upon multiple factors, all of which impact some portion of the resulting time frame.
Most buyers wait until they receive the details of their approval from our lending team before finishing a purchase agreement with the seller.
If any of the specifics of your credit application changes, we'll need to re-evaluate the approval to reflect those new details.
Property closing guidelines are most often outlined within the terms of the sale. Closing can occur as quickly as 10-15 days and go out as long as 45-60+ days after an offer is accepted. Consult the seller or seller agent to discuss closing terms and time frame.
Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.
FCSAmerica serves farmers, ranchers, agribusinesses and rural residents in Iowa, Nebraska, South Dakota and Wyoming. For inquiries outside this geography, use the Farm Credit Association Locator to contact your local office.