Farm Real Estate Loans

Whether you're looking to purchase your first farm or ranch or expand your current operation our farm real estate financing can help you buy the land you need and construct or improve the farming structures you'll need to get started, such as barns and livestock shelters. You can also use farm real estate loans to refinance existing debt at a better rate or terms.

Besides these primary uses for agricultural real estate financing, your imagination is the only ceiling on the projects you can build. If you need help with livestock financing, we have options available for your business. As people take a greater interest in local produce, many farms expand to provide "pick-your-own" experiences, petting zoos, and other farm-related entertainment. The Farm Service Agency also backs conservation loans for special projects related to soil erosion, water quality, and switching to organic or more sustainable farming models.

To apply for a farm real estate loan, you'll need to consider the loan-to-value ratio, minimum debt coverage, debt-to-asset ratio, and your personal credit history as well as your farm's current financial situation. Vision Bank offers a full range of loan types including fixed-rate and adjustable rate loans. Our lending team can help you determine which farm real estate loan best meets your needs.