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USDA AG (Farm Ranch) Program

As a Correspondent with a leading provider of farm loans to America's farmers and ranchers we are providing land loan financing nationwide for farm and ranch acquisitions, refinancing existing debt and financing capital expansion. 

Program Highlights
Agricultural Finance Program offers farm loan products to fit your individual needs with competitive interest rates and flexible repayment terms on both adjustable and fixed-rate mortgages.

  • Competitive Rates
  • Adjustable Rates 1-mo, 1yr, 3yr, 5yr, 7yr & 10yr
  • Fixed Rates: 10-year and 15-year      
  • Amortization: up to 30 years
  • Payment Frequency: monthly, semi-annual or annual


AG Finance - Fast Track Loans
The "Fast Track" loan program through the Secondary Market is a streamlined loan application process that provides fast loan approval requiring minimum loan documentation. 

Key Loan Qualifications:

  • Loan-to-Value: 55% maximum
  • Loan Amount: $300k minimum - $1m maximum
  • Acceptable credit history and a minimum credit score of 700/720
  • Debt-to-Asset Ratio: 45% max up to $300k, 40% $300k +.
  • Current Debt-to-Asset Radio: 1:1 minimum on loans $300k +
  • Debt Coverage Ratio: 1:1


AG Finance - Fully Underwritten Loans
For loan applications requesting loan amounts or other terms that are outside "Fast Track" parameters, we offer loan programs that utilize a more conventional loan application and documentation process. 

Key Loan Qualifications:

  • Loan-to-Value: 70% maximum
  • Loan Amount: $300k minimum - $22m maximum
  • Acceptable credit history and a minimum credit score of 680
  • Debt-to-Asset Ratio: 50% max
  • Current Debt-to-Asset Radio: 1:1 minimum
  • Debt Coverage Ratio: 1.25:1 minimum
  • Property Coverage Ratio: 1:1 minimum

Private Money Available - for those who don't qualify.

To Apply for Financing we'll require a Completed & Signed Application along with Identification such as Drivers License and Passport

Application:

Real Estate APP (7.18.17) Web .pdf
 

Programs Info:

Programs Info (9.14.7) emlr.pdf
 

 
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