Farm Land Loans from FBN® Finance

Save thousands by financing your farm or ranch at a great rate with a team that knows ag.
Ag Land Loans

Today’s Land Loan Rates

Rates as of 3/20/2023.

30-Year Fixed

ProductInterest Rate
Land-Backed Operating
1-Year Variable
7-Year Fixed
10-Year Variable
15-Year Fixed
20-Year Fixed
25-Year Fixed

What Types of Rates Does FBN Finance Offer?

Learn more about fixed and variable rates.

Fixed Rates

Fixed rates are set interest rates that do not change throughout the life of the loan. They provide predictability for payment and budgeting. Fixed rates are available for 7-30 year terms with a 10-30 year amortization period.

Variable Rates

Variable rates have shorter fixed rate periods with periodic adjustments and best for farmers who expect to refinance or purchase additional land. Variable rates may be locked for 1 month - 15 years with 15-30 year term and amortization.


Why Choose FBN Finance for Your Financing?

We focus on providing flexible loan financing for farmers. Whether you’re expanding your farm with a land purchase, refinancing, or making improvements, we can help you secure the capital you need to build a stronger financial future.

Great Rates

Feel confident that you are getting a great rate. We are able to save customers thousands due to our low overhead and nationwide network.

Apply in Minutes

Our secure and straightforward online application will save you time and provide you with the right tools to track your application's progress.

Exceptional Service

We are dedicated to helping family farmers. Our loan advisors average over 15 years of Ag finance experience and look forward to sharing their guidance with you.

How to Get Your Farm Land Loan

You are 5 steps away from getting customized financing for your farm land loan.

1. Apply in Minutes

Start our secure application entirely online or contact an advisor to answer any questions.

2. Upload Supporting Documents

Use our secure system to upload all documents required. We offer a guided process to simplify completing the application.

3. Receive a Decision

Get approved in as little as 48 hours. During this process our dedicated loan advisors will review your application.

4. Value Your Farm Land

An appraiser will assess the value of your land when your documents are approved.

5. Get Funded

You'll lock in your rate once the appraisal is completed. Then, you'll sign final documents and your loan will be funded.

Image of combine with Farmers First flag

New - Bridge Loans

Closing an ag land loan can potentially take up to 60-90 days pending on the appraisal process. If you need a land loan in a shorter time frame, then a Bridge Loan may make sense for you. Learn more about how a Bridge Loan could work for your operation.


Farm Land Loan Requirements

Here are the requirements for land loans.

Minimum Acreage

Your land must be a minimum of at least 10 acres.

Loan Amount

The minimum loan amount is $75k with no restriction on the maximum requested.

Agricultural Land

This includes farms, ranches, timberland and hunting land as well as improvements.

Speak With an Advisor Today About Your Land Loan

Apply now or fill out the form below to request more information. Or call 1-866-551-3950 to speak with an advisor today.


Loans can be made on a monthly, semi-annual, or annual basis. Prices shown here are based on semi-annual payments. Annual payments increase the interest rate by 0.15%.

No. There is no prepayment penalty.

Your loan will have title fees, appraisal fees, and an origination fee. In most cases, these fees are less than 1% of the loan value. In many cases, they can be added to the loan itself, so you don’t have any out-of-pocket costs at closing. Title fees and appraisal fees are passed on to the applicant at cost. If you have a current land appraisal that is less than one year old, you may be able to reuse it, subject to Farmer Mac’s guidelines. FBN’s origination fee varies by size, but will either be 0.65% or 0.3%.

You will work with one of our Loan Advisors as well as our team of credit analysts and loan closers.

While we work with Farmer Mac to provide the financing, we will be your “Field Servicer.” This means we will be your first point of contact for any issues you have with the loan.

We finance land that is used for agricultural purposes. These property types include farms, ranches, bare land, timberland and hunting land as well as improvements.


Our Latest FBN Financial Insights

Click on a tile to visit our Finance blog.

Rent vs. Buy Farm Land: Which Is Right for You?

If you’re a farmer who rents the land you operate on, the decision of whether to continue renting or purchase farm land is likely never too far from your mind.  How do you know when the time is right to make the change?

What Can I Use a Farm Land Loan For?

Learn how FBN® Finance Ag land loan products can help you finance improvements on your farm land or refinance existing debt on your property.

Webinar: Inflation, Interest Rates & What to Focus On

Learn more about inflation, interest rates and what farmers need to focus on in this webinar from FBN Finance.

Fixed Rate vs. Variable Rates: Which is Better?

Understanding the difference between fixed and variable rates will help farmers in the market for farm land loans.

How Can I Estimate My Farm Land Loan Payments?

By estimating rates and fees up front, the free calculator helps you effectively plan and strategize your financial options for future land purchases.

Will Farmland Values Continue to Climb into 2023?

Fueled by high commodity prices and low interest rates, U.S. farmland prices increased at a record pace in late 2021 through the first half of 2022. Will farmland values continue to climb into next year?
How to Buy Land as a Beginning Farmer

How to Buy Land as a Beginning Farmer

Learn the pros and cons of FSA loans, seller financing, commercial loans and Farmland Capital.

The Impact of Rising Inflation & Interest Rates

TJ Wilson and Kevin McNew, FBN’s Chief Economist discuss rising inflation and interest rates and the impact they will have on agriculture in 2022.

Regenerative Practices Rebate Program

Introducing a rebate program on your approved operating line of credit if your regenerative practices meet program requirements.