Rural living.
Financed right.
Finding financing for rural and agricultural properties is challenging with traditional lenders. We specialize in exactly the properties most lenders turn away — and we’re genuinely excited to help.
Tell Us About Your Property →Financing vacant land for
future residential construction
Want to purchase a lot now and build later? We work with multiple lenders for residential land — giving you a wide range, from smaller starter lots to larger, higher-value parcels.
Lot Loan
Ineligible: Landlocked parcels, leasehold, commercial/industrial/mixed-use.
Loan
Close to the $100K minimum? Ask us — near-miss exceptions are often possible.
Don’t see your scenario above? We welcome exception requests on guidelines like loan amount and credit score — reach out and tell us about the property.
The properties most lenders
turn away are our specialty
Traditional lenders struggle with rural and agricultural properties. Acreage, multiple dwellings, outbuildings, income-producing features — all of it can disqualify a property from standard financing. We’ve built our rural program specifically around those situations.
Note: our smaller residential lot loan above is available for future 1–4 unit residential construction, with no acreage minimum. The large-acreage bare land and full farm loan programs below are different — for those, the appraiser’s highest & best use finding generally needs to support agricultural or recreational use.
Tell Us About Your Property →What to know
before you apply
For our bare land and full farm loan programs, the appraiser’s determination of highest and best use generally needs to be agricultural or recreational — wooded, rural, or farming use. Our smaller residential lot loan, by contrast, is built for future 1–4 unit residential construction.
Acreage requirements depend on which program fits your property — from small residential lots up to large-acreage farm and bare land loans. Tell us about the property and we’ll point you to the right fit.
Cross-collateralization for the down payment is permitted, as are seller-carried second liens — giving buyers more flexibility on the equity contribution.
Programs range from 1-month ARMs up to 30-year fixed — giving buyers the flexibility to match the loan structure to their situation and timeline.
Every file is different. We welcome exception requests on program guidelines — including minimum credit score — so don’t rule yourself out before asking.
Large-scale land and
agricultural operations
Recreational or agricultural potential. $500k–$100M. Can have up to 30% improvements if not fully bare land.
Multiple parcels up to $100M. Nearly all farm types — dairy, poultry, orchards, and more.
Cross-collateralization for down payment. Seller-carried seconds permitted. 1-month ARM to 30-year fixed programs available. Fully amortizing — no balloon payments, no prepayment penalties.
Guideline exceptions — including on minimum credit score — are considered case by case. Tell us about your scenario before assuming it won’t work.
Properties that don’t fit
the conventional box
Tell us about
your property.
Rural properties are our specialty. We’ll tell you quickly what’s possible.