Agricultural, Ranch, and Farm Loans

UFIG has agriculture real estate loan products to fit your individual needs with competitive interest rates and flexible repayment terms on both adjustable and fixed-rate mortgages.

Agricultural &
Farm Loan Program

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.

Fully Underwritten Loans

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

Fast-Track Loans

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

Hobby Farm/Lifestyle Ranch Loan

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

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