Great Rates
Compared to other ag mortgage lenders, we often help farmers save thousands with great rates, low overhead, and national member network.
Farmland Loans From FBN® Finance
You could save thousands by financing your farm or ranch at a great rate with a team that knows ag.
Farmland Loan Rates
1-Year Variable
4.96%
3-Year Variable
5.05%
5-Year Variable
5.37%
Why Choose FBN Land Loans?
Strengthen your farm’s financial future by expanding, refinancing, or improving your land with a personalized land loan from FBN Finance.
Quick Decisions
Save time and money with our secure and simple digital application, speeding up the approval process so you get a decision in days instead of weeks.
Industry Experience
Our loan advisors—many of whom are producers themselves—deeply understanding ag and are ready to develop personalized solutions for your farm.
Frequently Asked Questions
How long is the approval process for land loans with FBN Finance?
With other lenders, waiting for a decision on a loan application can take anywhere from five to 10 business days. That waiting period can be stressful and cause delays in important decisions for your operation. With FBN® Finance, however, the application process is much quicker. You'll hear back from a member of our team within 48 business hours.
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 multiple financing partners to fund your loan, for the vast majority of the loans we are your first point of contact for any potential issues that may arise. You'll receive billing statements and other communications from us, will process your payments through us, and contact us for any questions that might arise during the life of your 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.
What is the minimum acreage required?
Your land must be a minimum of at least 10 acres.
What is the loan amount requirement?
The minimum loan amount is $150,000 with no restriction on the maximum requested.
Where can I find farmland?
You can find farmland across the country. Use AcreVision, FBN’s free digital farmland evaluation tool, to find land with the click of a button. See our dedicated California, South Dakota, and Texas pages for state-specific loan information, or contact a member of our team to inquire about financing land in other states. You can also download our free guide “How to Find Farmland for Sale” to discover six ways to find farmland for sale.
Plan Your Farm's Financial Future with Free Downloadable Resources
Renting vs. Buying Farmland
While every operation is unique, there are several factors to consider when deciding whether to rent or buy land for your operation.
Buying Farmland Checklist
As farmland sales surge between October and April, ideal parcels sell fast. Learn the 7 key steps to help you secure your ideal farmland property.
4 Farmland Factors to Consider
To help maximize your significant farmland investment, learn 4 essential factors to keep in mind before finalizing a purchase.
How to Find Farmland for Sale
Thinking about establishing a new farm or expanding your operation? Learn how to find farmland available for sale in your area.
Stay Up to Date with Ag Finance Insights from the FBN Finance Blog
What Are the Average Upfront and Closing Costs for a Land Loan?
Why Should You Consider Refinancing Your Land Loan?
Should Your Land Purchase Be Set Up in an LLC or Corporation?
How to Verify Tillable Acres and Actual Farmable Land
Renting vs. Buying Farmland: Which Is Right for You?
What Type of Appraisal Is Required for My Land Loan?
What Is a Farmland Loan?
Farmland loans are primarily designed to help farmers fund the purchase or refinance of agricultural land. This can include farms, ranches, timberland, and hunting land.
What Can Farmland Loans Be Used For?
Farmland financing is not limited to purchasing land. It can also be used to finance any improvements on your farmland, including:
Construction of barns, silos, livestock facilities, and outbuildings
Installation of grain storage
Hunting ground for recreational use
Farmland loans also allow you to purchase new farmland, refinance existing debt on your property for a lower interest rate, or access additional financing by borrowing against your land.
How to Apply for a Land Loan
At FBN Finance, we strive to make the loan application process as streamlined and simple as possible.
Get customized financing in four steps:
1. Submit Application
Provide your details and upload documentation through our secure digital application.
2. Receive Decision
Our loan advisors will review your application and determine approval in as little as 48 hours.
3. Value Your Land
If approved, an appraiser will visit your operation to assess the value of your farmland.
4. Get Funded
After the appraisal, you’ll secure an interest rate, sign final documents, and get your loan.
Required Initial Documentation:
Required Initial Documentation:
Driver’s license or government-issued ID
Entity documents, if applicable
Current balance sheet for all borrowers and entities
1 year of tax returns for all borrowers and entities
Legal description / parcel ID on all land to be used as collateral
Supplementary Documentation (Needed Upon Request):
Supplementary Documentation (Needed Upon Request):
Projection / crop budget
Crop insurance information
Verification of liquid assets and liabilities from the balance sheet