Hobby Farm Program

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Do you have a hobby farm in mind? Whether it’s an expansive acreage with outbuildings and livestock or simply raising chickens on your small plot of land – Ag Country Lending is here to help. We understand the unique challenges that come along with rural property mortgages, so other lenders may not be able to accommodate for all areas, including recreational homes, farmland, and hunting properties, just like yours. Our experienced team makes purchasing hassle-free as we’ve helped countless individuals reach their country home aspirations while receiving peace of mind through our long-term fixed rate loans – allowing them pasture room fulfilled dreams!

Ag Country Lending can help you get the loan that is right for you.

Hobby Farm Program Highlights

  • Finance home and up to 160 acres, properties with more acreage will be considered case by case.

  • Finance up to 3 dwellings and acreage, using income from the two of the dwellings for qualifying ratios.

  • Finance Income producing & Ag Exempt properties.

  • Finance Equine properties with stables and arena, using income from leased stalls to qualify.

  • Land value can exceed dwelling value, min dwelling value need to be only 30%.

  • Primary residence and second home.

  • 680 Min middle credit score & Max dti 43%.

  • Multiple parcels eligible.

  • Purchase, rate and term and cash out refinances for debt consolidation, cash in hand or to expand property.

  • Shed Homes / Barndominiums w min 1,000 sq ft living quarters eligible and log cabins.

  • Schedule F (Farm Income) not required but allowed.

  • Homes with permanent plantings, vineyards, crops, and other income production on property.

  • Equestrian properties with indoor and outdoor arenas and horse stables.

Learn More About Our Programs

Give us a call to schedule your loan consultation

  • 1-816-529-7412

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