Buying Land: How it will impact your financials?
Is your farm in a good financial position to purchase land? Use these key calculations to find out.
3 MinutesWhy 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
Doing things on your terms
Crystal discusses how applying through the online process gave her time to prepare, allowing her to move at her own pace.
Ease of doing business
Kevin talks about the end-to-end experience, and how a knowledgeable loan officer provided options to help him refinance his loan.
You can do it all online
Crystal expresses why the speed and simplicity of filling out the online application were important to her.
Learning Center
Land Loan Closing Costs: What You Need to Know
Before you buy or refinance farmland, understand what closing costs and loan fees you can expect. Prepare with our guide to land loan closing costs.
Read Time: 2 minutes
How to Prepare for a Land Auction
What should you know before a land auction? Prepare with our land auction checklist outlining essential planning steps to be successful.
3 minutes