We’re on a mission to put Farmers First® and want to help you find the savings you need to scale your ag operation with an agricultural land loan.
Feel confident that you are getting a great rate. Compared to other farm mortgage lenders, we’re often able to save customers thousands of dollars thanks to our low overhead, competitive rates, and nationwide network.
Save time with our secure digital application. With Instant Approvals, your land loan application could potentially be approved within minutes for loans up to $2.5 million if you qualify.*
Our loan advisors, analysts, and closers have extensive agriculture financing experience, and many are producers themselves. You can expect a personalized solution tailored to your operation.
The team at FBN Finance is "really nice and friendly, [and] easy to get a hold of," says Robert Boeck, a farmer from Minnesota. "If you've got a question, they're always there."
What is the payment schedule for my farm mortgage loan?
Loans can be made on a monthly, semi-annual, or annual basis. Prices are based on monthly or semi-annual payments. Annual payments increase the interest rate by 0.15%.
Is there a penalty for early repayment or land refinance?
No, there is no prepayment penalty.
What fees from FBN Finance are included in my loan?
Your loan will have title fees, appraisal fees, and an origination fee. In most cases, these fees are less than 1% of the loan value. In many cases, they can be added to the loan itself, so you don’t have any out-of-pocket costs at closing. Title fees and appraisal fees are passed on to the applicant at cost. If you have a current land appraisal that is less than one year old, you may be able to reuse it, subject to our lending partners' guidelines. FBN Finance’s origination fee varies by size, but will be between 0.3% and 0.65%.
Who will I be working with if I finance with FBN Finance?
You will work with one of our Loan Advisors as well as our team of credit analysts and loan closers.
Will FBN Finance be there for me for the life of my loan?
While we work with lending partners to provide the financing, we will be your “Field Servicer.” This means we will be your first point of contact for any issues you have with the loan.
What are Instant Approvals for land loans with FBN Finance?
With other lenders, waiting for a decision on a loan application can take anywhere from five to 10 business days. That waiting period can be stressful and cause delays in important decisions for your operation. With FBN Finance, however, the application process is much quicker. If you qualify, your land loan application could potentially be approved within minutes for land loans up to $2.5 million*.
What type of land do you finance?
We finance land that is used for agricultural purposes. These property types include ranches, ranges & pastures, farms, bare land, timberland, and hunting land as well as improvements.
What is the minimum acreage required?
Your land must be a minimum of at least 10 acres.
What is the loan amount requirement?
The minimum loan amount is $150,000 with no restriction on the maximum requested.
