Land as an Investment: Can I Afford It?
Farmland is a major investment demanding high upfront costs. Learn key factors related to repayment capacity and how to reduce your overall risk.
3 minute readWhy Refinance Your Land Loan?
Lower Payments
Find a payment that works for your operation’s cash flow.
How can you get a lower payment?
Long-term fixed-rate loans can help reduce your current payment and protect your working capital.
Get Cash Out
Refinance to grow your operation, pay off other debt or use equity as working capital.
How does a cash out refinance work?
Refinance to use the equity you already have in the land, giving you options to pay off other debt, cover unexpected costs or help your cash flow. The amount of equity you are able to cash out varies by lender and borrower circumstances.
Save Money
Reduce your interest rate or change the term of your loan to reduce total interest paid.
How can you save money on a new land loan?
Get competitive rates including fixed, variable, adjustable and interim-fixed rates that could be a better option than your current loan.
Lower Payments
Find a payment that works for your operation’s cash flow.
Get Cash Out
Refinance to grow your operation, pay off other debt or use equity as working capital.
Save Money
Reduce your interest rate or change the term of your loan to reduce total interest paid.
Loan Payment Calculator
This is an estimate of loan payments. The actual payment amounts may vary depending on the interest rate, closing date and other factors.
Land Loan Rates and Terms That Fit Your Cash Flow.
Competitive Rates
Get fixed rates for the life of a land loan or interim-fixed, variable or adjustable rates, including rate conversions.
Ag-friendly Terms
Unusually flexible terms, including long-term options on farm mortgage loans.
Flexible Payment Options
Choose monthly, quarterly, semiannual or annual payments to meet your cash flow needs.
Customer-Owned
As a cooperative, earnings are either returned to customer-owners through a patronage program or retained as capital to weather economic cycles.
What Our Customers Say
"A loan application on my terms and on my time."
Kevin P.
Refinancing
Nebraska
Nebraska
"Applying for an online land loan was like sending a text message. It took me five minutes to fill out the application and I could go on with my day."
Randy Q.
Estate Planning Purchase
South Dakota
South Dakota
"They were proactive in communicating with me throughout the entire process."
Crystal N.
First-time landowner
Iowa
Iowa
Learning Center
Refinance Your Land Loan? Consider These Factors.
Review common strategies and key factors to consider when refinancing your land loan.
4 minute read
You’ve Found a Farm to Buy. Now What?
You’ve found farmland. But what happens next? Our step-by-step guide explains what to expect at each stage of a farmland purchase.
4 minute read