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Frequently Asked Questions

Frequently Asked Questions



What type of properties does AgLand Loans provide loans for?

AgLand Loans offers loans on numerous types of properties. We specialize in financing for Traditional Farms, Working Ranches, Recreational Ranch Properties, Timber Properties, and Permanent Plantings, with a 60-acre size minimum.  We also offer financing without minimum acreage requirements for Agribusinesses such as Food Processing Plants, Dairies, Cattle Feedlots, Cold Storage Warehouses, Plant Nurseries, Hog Farms, Poultry Facilities, and Aquaculture.  Please visit our loan types page for more details.

What types of loan terms and amortizations are available?

We offer flexible financing options, catered to the specific needs of the Borrower. We offer combinations of maturities ranging from 10-30 years with amortizations from 10-30 years, fixed-rate mortgages, adjustable-rate mortgages, and revolving lines of credit secured by real estate.  Please visit our loan types page for more details. Apply online and we will help you select a loan product to fit your needs!

What are your interest rates and fees?

Interest rates vary based on the type of loan product & market conditions. All fees are competitive within the industry & estimates are available upon request. Our experienced team of analysts and loan officers is eager to assist you in finding a loan that meets your particular needs; we strive to make the lending process as transparent and beneficial as possible. Many different types of loans are available, and we are committed to finding the best terms and rates for each of our clients.

How long does the process take?

There is no such thing as a “cookie-cutter” land loan. Unlike home mortgages, rural real estate financing can often take months to procure. However, we draw upon our years of experience to anticipate and mitigate potential hang-ups, and ensure that your loan request moves quickly. Preliminary Approval is typically granted within a week upon receipt of origination/appraisal fees, signed loan applications & complete financial information. Most appraisals require 30 days to complete. As a small company, we pride ourselves on personally completing your loan request quicker than the competition.

What information does AgLand Loans require from me?

We require a current balance sheet with supporting bank/loan/IRA statements, 3 previous years’ tax returns, and a signed initial loan application that will be provided after you complete our brief online inquiry form.

What is the best way to contact AgLand Loans?

Please fill out our brief online inquiry form so that we can obtain a better understanding of the loan amount & property to be financed.

Does AgLand Loans provide financing if an Applicant is a business entity or trust?

Yes, AgLand Loans provides financing for LLCs, LLPs, S & C corporations, and Trusts. We simply require that the entity members or beneficiaries must personally guarantee the loan and provide recent financial information.

Does AgLand Loans finance properties across the United States and internationally?

AgLand Loans can handle your farm and ranch financing needs anywhere in the United States. If the guarantors are not U.S. Citizens or permanent residents, we may limit loan to value or impose other restrictions.  We are currently unable to offer financing for international properties.

Does AgLand Loans have any stock purchase requirements with its loan programs?

No, we do not have any stock purchase requirements with any of our loan programs.

Once I submit a loan inquiry to AgLand Loans, how long does it usually take to receive a response?

If you qualify, you will receive a response within 48 hours after you fill out the online inquiry form.  If the inquiry is received on a weekend or holiday, we will have a response for you within 2 business days.

I have a question that is not located on your FAQ page. Who should I contact?

 

Please feel free to send any questions to contact@aglandloans.com, or call our toll-free number at 1-866-223-5845.
We will respond to your question as quickly as possible.