Agricultural Loans and Farm Mortgage Programs tailored for land purchases, ag equipment, and refinancing needs. Whether you’re expanding your farm or restructuring existing debt, our experts understand agricultural lending inside and out. We also Love Hobby Farms!
Effective Loading…
| Product Type | Payment | Term | Amortization | Standard | Choice |
|---|---|---|---|---|---|
| AgEquity RLOC | S/A | 30 years | 20/25 years | 6.80% | N/A |
| 1 Month VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 6.69% | 6.34% |
| 1 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 5.90% | 5.55% |
| 3 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 6.11% | 5.76% |
| 5 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 6.55% | 6.20% |
| 7/1 ARM | Mo, S/A | 15 years | 15/25/30 | 7.78% | 7.65% |
| 10/1 ARM | Mo, S/A | 15 years | 15/25/30 | 7.78% | 7.65% |
| 10 Year VRM | Mo, S/A | 15/20/25/30 | 25/30 | 7.14% | 6.79% |
| 15 Year VRM | Mo, S/A | 20/25/30 | 25/30 | 7.18% | 6.83% |
| 10 Year Fixed | Mo, S/A | 10 years | 10 years | 6.41% | 6.06% |
| 15 Year Fixed | Mo, S/A | 15 years | 15 years | 6.90% | 6.55% |
| 20 Year Fixed | Mo, S/A | 20 years | 20 years | 7.53% | 7.18% |
| 25 Year Fixed | Mo, S/A | 25 years | 25 years | 7.69% | 7.34% |
| 30 Year Fixed | Mo, S/A | 30 years | 30 years | 7.76% | 7.41% |
| Product Type | Payment | Term | Amortization | Open Prepay | 7-Year Prepay Restriction |
|---|---|---|---|---|---|
| 3 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 6.38% | N/A |
| 5 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 6.83% | N/A |
| 7 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 7.08% | N/A |
| 10 Year VRM | Mo, S/A | 15/20/25/30 | 15/20/25/30 | 7.48% | 6.88% |
| 15 Year VRM | Mo, S/A | 20/25/30 | 20/25/30 | 7.73% | 7.08% |
| 10 Year Fixed | Mo, S/A | 10 years | 10 years | 7.03% | 6.53% |
| 15 Year Fixed | Mo, S/A | 15 years | 15 years | 7.38% | 6.83% |
| 20 Year Fixed | Mo, S/A | 20 years | 20 years | 7.58% | 6.98% |
| 25 Year Fixed | Mo, S/A | 25 years | 25 years | 7.68% | 7.13% |
| 30 Year Fixed | Mo, S/A | 30 years | 30 years | 7.78% | 7.23% |
📞 Call us at (888) 556-4029
“Expanding our family vineyard in Napa Valley required significant investment, and United Financial came through with a $2.5 million agricultural loan. Their team understood the unique needs of our winery and tailored the financing to support our new acreage and equipment upgrades. Their efficiency allowed us to focus on producing world-class wines.”
— Maria V., Napa Valley, CA
“Starting our hobby farm in Vermont was a dream, but we needed flexible funding to get it off the ground. United Financial provided a $750,000 farm loan that covered our land purchase and initial livestock setup. Their straightforward process and quick response times made it easy to turn our vision into reality.”
— Tom and Sarah L., Burlington, VT
“Upgrading our dairy operation in Wisconsin required modern equipment and barn renovations. United Financial delivered a $1.8 million agricultural loan that met our needs perfectly. They worked closely with us to structure the deal, ensuring we could keep our farm thriving for the next generation.”
— John K., Madison, WI
“As an agricultural loan broker, I’ve worked with many lenders, but United Financial is a standout. They’ve consistently provided fast, reliable farm loans for my clients, from small orchards to large grain operations. Their clear communication and ability to close deals quickly make them my go-to choice for ag financing.”
— Rachel M., Agricultural Broker, Des Moines, IA
UFIG has options to fit your individual needs with a variety of flexible loan programs and loan application processes. Our staff will work with you to find the best loan program that fits your needs.
UFIG offers fully underwritten loan programs using a more conventional loan application and documentation process.
Key Loan Qualifications
Loan-to-value: Up to 90% maximum
Loan amount: $100,000,000 maximum
Credit score: Acceptable credit history and a minimum credit score of 600
Debt-to-asset ratio: 50% maximum
Current debt-to-asset ratio: 1.25:1 minimum
Debt coverage ratio: 1.25:1 minimum
The Fast-Track Loan Program is a streamlined loan application process that provides loan approval with minimum loan documentation.
Key Loan Qualifications
Loan-to-value: 55% maximum
Loan amount: $3,000,000 maximum
Credit score: Acceptable credit history and a minimum credit score of 720
Debt-to-asset ratio: 40% maximum
Current debt-to-asset Ratio: 1:1 minimum
Debt coverage ratio: 1:1 minimum
The Lifestyle Ranch Loan Program is an alternative loan product option for an individual wage earner financing a minimum of 60 acres for recreational or hobby farm use. With this product, underwriting is based on regular non-farm income and includes monthly payments.
Eligible Loan Qualifications
Maximum loan size: $3,000,000
Loan-to-value: Up to 70% (60% in 9 designated Midwestern states)
Debt-to-asset ratio: 55%
Current debt-to-asset-ratio: 1:1
Minimum annual debt obligations: 39% (calculated total annual P&I/gross income)*
Credit score: Acceptable credit history and a minimum credit score of 700
Purpose: Purchase or refinance; cash-out not allowed
Other: Dwelling and any other improvements must not exceed 25% of total value
Most lenders do not have the necessary experience or loan programs to service your Agricultural financing needs. UFIG has the required expertise and knowledge to guide you through the loan process and provide you with the best available rate and terms. Each deal is unique so it is best to give us a call to discuss your financing needs.
Poultry, Live Stock Building(s), Dairy Operations, Beef feed lot, Timber, Feed lot dairy, Packing Houses and other production facilities, Crop land, Orchards, Vineyards and MORE!
We understand Farming is a dynamic industry with uncontrollable variables. This is where common sense and history play a big factor. You would be surprised at the challenges we are able to overcome.
Whether you’re financing farmland, building ag structures, or refinancing an Agricultural Loan — we offer competitive rates and flexible terms. Talk to a loan officer who understands agricultural lending.
In the realm of agricultural financing, whether you seek capital for farmland acquisitions, construction of agricultural infrastructure, or refinancing existing loans, UFIG stands ready with competitive rates and flexible terms tailored to your needs. Contact our experienced agricultural lending specialists today to discuss your unique financial requirements and unlock opportunities for growth in your farming operations.
