Farm Real Estate Loans

Flexible financing or refinancing for farmland, pastures and acreages.

Key Benefits of Financing with us

Attractive Land Loan Rates

Fixed rates for the life of a land loan or interim-fixed, variable or adjustable rates, including rate conversions.

Ag-Friendly Terms

We offer unusually flexible terms, including long-term options on our farm mortgage loans.

Flexible Payment Options

Choose monthly, quarterly, semiannual or annual payments to meet your cash flow needs.

Cash-Back Dividends

A significant annual benefit, customer-owners have been paid more than $1.7 billion since 2004.

Get Started

Looking for land loan rates? Use our online application and get a response within three business hours.

"They really watch out for us. They've come to me and suggested we roll a land loan into a new loan at a cheaper rate."

John & Douglas

Grain & Livestock Producers, Iowa

John & Douglas

LOAN PAYMENT CALCULATOR


This is an estimate of loan payments. The actual loan payment amounts may vary depending on the interest rate, closing date and other factors.

Choose from even or decreasing payments

$1,717.77

EACH PAYMENT

$318,398

TOTAL INTEREST

$618,398

TOTAL PAYMENT

Land Loan Rates and Terms

Fixed Rates

  • Stable, predictable payment schedule.
  • Delayed disbursement, a fee-based service, lets you access your funds when you need them.

Variable Rates

  • Usually a lower rate that follows market conditions.

Adjustable-Rate Mortgages (ARM)

  • Allows you to have the security of an introductory fixed rate for a specified period of time. At the end of the initial fixed-rate period, the loan renews for the same fixed period at a new fixed rate.
  • Fixed for a period of one, three or five years.
  • Rate “caps” protect you from excessive rate increases and volatile markets.

Interim-Fixed Rates (IFR)

  • A variable-rate loan that is fixed for an agreed upon period. At the end of the period, the loan reverts to a variable-rate loan.

Reasons to Finance with Us

Rate Conversions

If your financial needs change, you can convert your variable-rate loan to a fixed-rate loan. Fees may apply.

Account Access

View balances and transaction histories, transfer funds within your accounts, make payments and more through AgriPoint® or FCSAmerica® Mobile.

Payment Schedules

Select monthly, quarterly, semiannual or annual interest payment schedules; fully or partially amortized loans; and decreasing, even or accelerated payment schedules.

Financial Management

Online tools in AgriPoint help you analyze the financial health of your business. Create balance sheets and cash flows, calculate breakevens, automate recordkeeping and unlock profit insights.

Related Farmland Content

Farmland Values Remain Stable, Despite Downward Pressure
Our latest benchmark farmland study on values in Iowa, Nebraska and South Dakota.
Farmland Values Soften
“The softening of the market in the latter half of 2018 wasn’t unexpected and, in fact, it better aligns farmland values to profitability in the grain sector.” -- Tim Koch, chief credit officer
Farmland Values Hold Steady
Even with seasonal fluctuations, farmland values have remained generally consistent since 2015.
Farmland Values Stabilize in 2017 in Grain Belt States
Farmland values in the grain belt states served by Farm Credit Services of America (FCSAmerica) stabilized in 2017, a reflection of continued market demand for quality land.
State-by-State Farmland Trends
The latest farmland values in Iowa, eastern Kansas, Nebraska, South Dakota and Wyoming.
Farmland Values Continue Steady but Gradual Decline
Unlike last year, when a strong livestock market led to increased demand for pastureland, values on both pasture and cropland are generally down in 2016.
How to Decide Right Time for Farmland Purchase
Interest rates still are attractive and land in many areas across the corn belt is generally cheaper than a year ago. Some who are bullish on agriculture long-term consider this a good time to buy farmland and expand their operations.
Farmland Values Moderate
A softening in the farmland market is reflected in the reduction in benchmark farm values. However, weakened cropland values have been slightly offset by gains in pasture values.
Farmland Prices Remain Strong
Despite reports earlier this year of a possible drop in demand for farmland, prices remain strong, nearing or hitting all-time highs in several areas of our four-state territory during the first six months of 2014.
High Degree of Variability in Farmland Market
Farmland prices across our four states are in various stages of flux. Learn what the numbers revealed in the first four months of 2014.

Ready to Talk?

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.