30-Year Fixed
Product | Interest 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?
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.

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.
FAQs
What is the payment schedule for my land loan?
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%.
Is there a penalty for paying off my land loan early or refinancing it?
No. There is no prepayment penalty.
What fees from FBN Finance are included in my loan?
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%.
Who will I be working with if I finance with FBN Finance?
You will work with one of our Loan Advisors as well as our team of credit analysts and loan closers.
Will FBN Finance be there for me for the life of my loan?
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.
What type of land do you finance?
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.
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