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Agricultural & Farm Mortgage Loans

Flexible farm, ranch, equestrian, vineyard, hobby farm, and rural property financing for borrowers who need lending options beyond traditional Fannie Mae and Freddie Mac programs.

• Loans from $400K to $50M

• Up to 70% LTV with programs up to 80%

• 30-year fixed-rate options available

• Lending available in all 50 states

• 35+ years of agricultural lending experience


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We Make Loans In All 50 States With Over 35 Years Experience!

Farm Mortgage Capital is the nation’s leading independent provider of Commercial Farm and Ranch Loans, offering loans to farmers to help their business thrive.

Farm Mortgage Capital helps farmers, ranchers, landowners, and rural property buyers secure financing for agricultural and income-producing properties. Whether you are purchasing farmland, refinancing an existing farm mortgage, buying out family members, expanding an equestrian facility, or financing a ranch, our team provides lending options designed for complex agricultural properties.

Unlike standard residential mortgage programs, agricultural lending often requires a deeper understanding of acreage, property use, farm income, collateral value, ownership structure, and long-term repayment needs. With more than 35 years of agricultural lending experience, Farm Mortgage Capital helps borrowers find practical financing solutions for farms, ranches, vineyards, timberland, hobby farms, and other rural properties.




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Who We Help

Equestrian Centers

Orchards

Dairies

Farms and Ranches

Vineyards

Coffee Plantations


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Your Trusted Agricultural Loan Provider

Our experience and expertise has allowed us to provide best rates and hassle-free financing for over 35 years.


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AG Solutions Made Simple…

Equestrian facilities loans

Equestrian facilities loans
currently have a 70% loan to value and are eligible for properties with a minimum of 5 acres. Learn more
Agricultural Loans
Agricultural Loans: Agricultural loans are available for farms, ranches, hobby farms, and county side estates. Learn more
Farm loans
Farm loans are available as full-time farm loans or part-time farm loans. This depends on how you run your farm. Learn more
Sibling buyout loans
Sibling buyout loans help you pay your sibling(s) out and repay the loan gradually as you take full control of the estate. Learn more
Sibling buyout loans
One of the primary advantages of working with Farm Mortgage Capital is the our long term relationships and level of personalized service we offer. We understand that no two farms are alike.

We do all loans agricultural, even sibling buyout loans. Whether you are managing a sprawling equestrian center, a or a boutique vineyard, we can customize loan terms that suit your unique financial situation and operational requirements. 

This flexibility extends to repayment schedules and loan structures, ensuring that you receive a solution that is not only feasible but also conducive to your long-term success.

Our Services

Most of our programs offer up to 30 years amortization with no prepayment penalties. Choose a loan type!


More Services

Equestrian Center Loans


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Sibling Buyout Agreement


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Country Side Estates


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Farm Loans


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The Farm Mortgage Capital Difference

35

Years

For more than 35 years, American farmers and rural communities have come to us to be provided with loans for their farms, ranches, timber land, recreation properties, vineyards, and other agricultural properties.

70%

Loan To Value

Most of our Loan Programs offer up to 70% Loan To Value, certain qualified borrowers may quality for up to 80% LTV.

30

Amortization

Attractive 30 year fixed rate available now. Maximum loan amount $50,000,000

50

States

Location is not an issue as we service farm and agricultural properties in all 50 states.

Why Farm Mortgage Capital?


Customer Service

Our customers are important to us. We genuinely appreciate the value the agricultural industry brings to our nation. Farming and ranching is hard work, and in times of unyielding weather and struggling economies, the challenges are even greater. We’re here to support you.


Servicing All 50 States

Our services are designed to fit your financial needs and enable you to grow your business in the easiest way possible and thrive. Location is not an issue as we service farm and agricultural properties in all 50 states.


Loan Experience

We understand complex financial structures as well as the issues attached with family-owned farms with multiple owners, and specialize in sibling buyouts. We have done many ranch loans for families in various states, and offer farm loans to the agricultural community.

Our extensive experience and competitive rates ensures straightforward hassle-free financing!


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Blog Posts




Consequences of Missed Payments on Farm Property Mortgage Loans

Mortgage payments tied to agricultural land financing carry serious financial consequences when payments are missed. Each late payment increases total loan exposure through added fees,…


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Hidden Costs in Horse Property Loans in 2026

Lenders structure horse farm mortgage loans around the size, use, and operational value of rural equestrian properties, yet additional costs can significantly affect the final…


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Collateral Valuation Benchmark: Land Mortgage Loans

Securing a land mortgage loan needs clear benchmarks for collateral value, especially as farm land prices keep rising in rural-focused states. Lenders and investors need…


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ROI Benchmarking: Agricultural Land Loan Trends

ROI benchmarking has become key for you as a borrower seeking farm land loans in Washington. With private farm loans, you need to understand the…


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We do loans Fannie and Freddie can’t do…


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