Agriculture Lot / Land Loan

Agriculture Lot / Land Loan – Farm Land & Rural Property Financing

Pre-Qualify (Consumer Use Only)
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For a Rate and Fees quote call

800-390-7536

PRE QUALIFY NOW (Consumer Use Only)
Looking to purchase or refinance agricultural land? Normandy’s farm land loan program provides agricultural land financing for borrowers who need to secure AG-zoned property for farming, rural use, or future development. Whether you’re buying rural land for an active operation or holding it as an agriculture property, our farm financing solutions are structured for how ag borrowers actually work.
This program is designed for Borrowers in need of financing to purchase or refinance an AG zoned property. Construction financing is also available — so Normandy supports your project from ag land purchase through to construction if needed. Loan-to-value is reviewed in the context of the land profile and any income production from the property. Call for a full program review.

Rates and Fees

(Based on credit score, income, savings and LTV)

    • Rates:  Prime Rate plus 2.50% to 4.50%+  
    • Loan Fee: 1.25% to 2.00%
    • Application Fee: $650
    • Fast Track Application Fee: $1,250
    • Underwriting Fee: $495

General Guidelines*

  • Loan amounts from $50,000 to $3,000,000
  • Loan amounts from 50% to 75% of the purchase price subject to a review of the land and income production from the land (if applicable).  Cross collateralization allowed on other properties, if needed, for maximum or greater loan amounts.
  • Foreign Nationals are eligible for this program
  • Deal directly with the Loan Officer/Underwriter
  • Fast pre-qualification, typically within 3 – 5 business days, closing typically within 30 days (fast track closings in 14 +/- days available if certain criteria is met)
  • Interest only payments
  • No minimum acreage requirement or maximum limitations
  • Loans are available to Borrowers with excellent to less than perfect credit (subject to underwriting) 
  • Agricultural zoned land
  • Limited income documentation available to 40% loan to value or less
  • Up to a 5 year term
    *All rates and terms subject to change without notice

Loans Available in the Following States

  1. AK
  2. AL
  3. AR
  4. CA
  5. CO
  6. CT
  7. DE
  8. FL
  9. GA
  10. HI
  11. IA
  12. ID
  13. IN
  14. KS
  15. KY
  16. MA
  17. MD
  18. ME
  19. MI
  20. MO
  21. MS
  22. MT
  23. NC
  24. NE
  25. NH
  26. NJ
  27. NM
  28. NY
  29. OH
  30. OK
  31. OR
  32. PA
  33. RI
  34. SC
  35. SD
  36. TN
  37. UT
  38. VA
  39. WA
  40. WV
  41. WY

Frequently Asked Questions

Agriculture Lot / Land Loans

What is an agricultural land loan?
An agricultural land loan — also called a farm land loan — is financing to purchase or refinance land that is zoned for agricultural use. It can cover active farms, pasture, timberland, or raw rural land intended for future ag use.
Yes. Normandy’s agriculture property financing review takes into account income production from the land where applicable — this can support higher loan-to-value ratios up to 75%.
Yes. Loans are available to borrowers with excellent to less than perfect credit. No minimum FICO is required. The full borrower profile is evaluated on a case-by-case basis.
No minimum and no maximum. Normandy’s rural land loan program is available for small parcels and large agricultural properties alike.
Yes. The program covers both purchases and refinances of existing farm purchase loan debt on AG-zoned properties.

For a Rate and Fees quote call

800-390-7536

Agriculture Lot / Land Loan

This program is designed for Borrowers in need of financing to purchase an AG zoned property or refinance. Construction financing is also available (see Commercial Construction).

PRE QUALIFY NOW
(Consumer Use Only)

General Guidelines*

  • Loan amounts from $50,000 to $3,000,000
  • Loan amounts from 50% to 75% of the purchase price subject to a review of the land and income production from the land (if applicable).  Cross collateralization allowed on other properties, if needed, for maximum or greater loan amounts.
  • Foreign Nationals are eligible for this program
  • Deal directly with the Loan Officer/Underwriter
  • Fast pre-qualification, typically within 3 – 5 business days, closing typically within 30 days (fast track closings in 14 +/- days available if certain criteria is met)
  • Interest only payments
  • No minimum acreage requirement or maximum limitations
  • Loans are available to Borrowers with excellent to less than perfect credit (subject to underwriting) 
  • Agricultural zoned land
  • Limited income documentation available to 40% loan to value or less
  • Up to a 5 year term
    *All rates and terms subject to change without notice

95Rates and Fees 
(Based on credit score, income, savings and LTV)

  • Rates:  Prime Rate plus 2.50% to 4.50%+  
  • Loan Fee: 1.25% to 2.00%
  • Application Fee: $650
  • Fast Track Application Fee: $1,250
  • Underwriting Fee: $495

Loans available in the following states: AK, AL, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IN, KS, KY, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NY, OH, OK, OR, PA, RI, SC, SD, TN, UT, VA, WA, WV, WY

Draw Request Submitted

Thank you for requesting a draw.  You will receive an email or call confirming your draw request has been received within 1 business day.  If you do not receive confirmation, please contact our office at 800-390-7536.  Please notify us of any changes you wish to make to your request.  

Normandy Corporation

Thank you for scheduling your payment.  You should receive an email confirmation of payment within 1 business day.  If you do not receive a confirmation email within 1 business day, please call our office to confirm at 800-390-7536.