Our lenders will work with you to meet your needs, with agriculture loans that cover a wide range of loan products, including real estate purchase and improvement loans and rural home loans. Whether you are buying a farm or recreational land, refinancing a current mortgage, expanding your operation, or making long-term improvements, Capital Farm Credit has financial solutions to make your vision a reality.

With competitive rates, flexible terms, and easy payment plans, our lenders can help you get the means to purchase your dream acreage with a farm and ranch loan or a rural property loan. Our real estate loan features include: 

• Fixed and variable interest rates
• Reasonable closing costs
• Interest rate lock-in options
• Terms of 5 to 30 years
• Flexible payment schedule options
• Regular amortization and fixed principal options

Many traditional lenders want a substantial down payment, exceeding 20% of the purchase price, and tend to offer higher interest rates. These lenders can require significantly shorter repayment terms, balloon maturities, and may even place a cap on the amount of acreage you can purchase. The process of applying for a land, farm or ranch loan is like a typical mortgage. The lender will run a credit check and evaluate financial documentation provided by you to ensure it matches up with your application. If you’re approved, the lender will distribute the loan proceeds to the seller, and you will repay the lender with interest over a predetermined period. The rate you’ll receive is tied to the amount of your down payment and creditworthiness.

To find out if you qualify for a loan with Capital Farm Credit, start by answering a few simple questions. Then, we can provide you a loan application tailored to suit your needs. 

Ready to get started? Apply Now by filling out this short form. 

You can also contact a local branch office today and visit with one of our knowledgeable lenders.

A typical real estate loan takes anywhere from 30 to 60 days, depending on the individual loan, to go through the entire process and close. This can be prolonged however due to title complexities or survey issues that may arise during the process.

• Develop a plan. Before you start looking for a loan, it is recommended to develop a comprehensive plan for what you would like to do with the land. That plan can help determine what type of loan and terms are best suited for you. Having a written plan may also increase your chances of getting approved for a loan later.
• Search for properties. Check websites like Land.com to search for properties based on your preferences and what you plan to do with the land. You can also use these websites to find a real estate broker who specializes in land purchases.
• Check your credit score. Farm, ranch, and land loans can be easier to obtain if you have a strong credit score. Check your score now and create a plan for getting to at least 680 of the low 700’s if you’re not there already. This could require paying off credit cards or waiting several months for a past late payment to finally fall off your report.
• Shop for the right lender for you. As with any type of loan, it’s important to know your options. Choosing a lender like Capital Farm Credit provides you with subject matter expertise and best-in-class offerings for your farm, ranch or land financing needs. We’re uniquely structured as a cooperative which provides significant value to our member-owners in the form of cooperative returns.

Capital Farm Credit is the largest agricultural lending cooperative in Texas. We have served farmers, ranchers, and rural communities for more than 100 years. Our mission to provide reliable credit and financial services that enable our members to achieve success in agriculture and rural communities drives us to support rural Texas and agriculture every day.

Capital Farm Credit has more than 60 locations and is chartered in 192 counties across Texas. We offer lending services for agriculture and land loans, operating loans, home loans, and equipment loans, as well as crop insurance to our borrowers. With more than 600 employees, we are proud to serve our nearly 30,000 shareholders across Texas.

As a cooperative, our borrowers are also owners and share in our profits. A portion of our profits are returned through our Cooperative Returns each year.

Learn more at CapitalFarmCredit.com.