Skip to main content
Aerial view of agricultural farmland and farm buildings financed through farm real estate loans.

Farm Real Estate Loans for Buying, Refinancing and Expanding Farmland

Finance farmland, agricultural property and farm real estate land with a lender built specifically for agriculture. Whether you're purchasing your first farm, expanding acreage, improving property or refinancing an existing farm mortgage, Farm Credit Mid-America offers flexible farm real estate loan* options designed around the realities of farming.

Get Started

Why Farmers Choose Farm Credit Mid-America

Farm real estate financing should do more than help you purchase land. It should provide flexibility as your operation grows, markets change and opportunities arise.

Annual Payment Options

Structure payments around your operation's cash flow cycle.

Loan Conversion** Program

Take advantage of lower rates without the full refinance process.

Patronage Program†

Eligible customer-owners may receive a share of earnings back through patronage.

6-Month Approvals

Lock in your approval and shop for the right property for up to 6 months.

Partial Releases

Sell off portions of financed property while maintaining your loan on the remaining land.

Designed for Farmers

Financing built around the way farming operations work.

Agricultural producers standing near livestock and farm equipment on working farmland.

What is a Farm Real Estate Loan?

A farm real estate loan is financing used to purchase, refinance or improve agricultural land and farm property. Unlike traditional mortgages, farm real estate loans are structured around agricultural businesses, land ownership goals and seasonal farm income.

At Farm Credit Mid-America, our farm real estate loans are designed with agriculture in mind. Features such as annual payment options, a Loan Conversion program, partial releases and our Patronage program provide flexibility that helps farmers navigate changing markets, evolving operations and long-term land ownership plans. Whether you’re a first-time farmer, transitioning land to the next generation or investing in future growth, we offer financing solutions built around the realities of agriculture.

Common Uses for Farm Real Estate Loans

  • Purchasing farmland
  • Expanding an operation
  • Refinancing agricultural property
  • Financing long-term farm improvements
  • Supporting farm transitions between generations

Apply Now

Types of Farm Real Estate Loans

Whether you’re purchasing your first piece of ground, expanding your farm’s acreage or restructuring your debt, Farm Credit Mid-America offers financing solutions tailored to the unique needs of agriculture.

Real estate

Farm Real Estate Loans

Purchase farmland for crop production, livestock operations, farm expansion or long-term real estate investments in agricultural land.

Farm improvement

Farm Improvement Loans

Finance barns, grain storage, livestock facilities or other improvements that add long-term value to your operation that you intend to pay off in 10 or more years.

Refinance

Farm Real Estate Loan Refinancing

Refinance existing farm mortgage debt or consolidate farm real estate loans to better align with your financial goals and cash flow needs.

Ready to finance your next farmland purchase? Whether you’re purchasing farmland, expanding your operation or refinancing existing agricultural property, we’re here to help. Start your application today and explore financing options designed for the realities of farming.

Start Your Application

How to Finance Farmland

Farm real estate loans can be used to purchase farmland, refinance agricultural property or finance long-term farm improvements. The right financing solution depends on your operation, land ownership goals and future growth goals.

Combine harvesting soybeans on agricultural land during harvest season.

Purchasing farmland is one of the most significant investments many farmers make. Understanding your goals, budget and financing options can help you choose a loan structure that supports both your operation today and your plans for the future.

  1. Understand Your Land Ownership Goals
    Are you buying your first farm, expanding acreage, refinancing debt or investing in long-term improvements? Defining your objectives can help determine the best financing solution for your operation.
  2. Evaluate Your Budget and Cash Flow
    Consider land values, projected farm income, operating expenses and future growth plans. Understanding how a farm real estate purchase fits into your operation’s financial picture can help you determine a comfortable borrowing amount.
  3. Explore Your Financing Options
    Compare fixed, adjustable and variable rate structures to determine what best aligns with your risk tolerance, cash flow needs and long-term goals. Consider financing features such as annual payment options, loan conversion opportunities and reamortization flexibility.
  4. Choose a Loan Designed for Agriculture
    Farmland financing should work with the realties of agriculture. Look for features that support seasonal income cycles, land transitions and changing operational needs over time.
  5. Apply and Move Forward with Confidence
    Once you’ve identified the right property and financing structure, complete your application online or through one of our local offices. Our team can help guide you through the process from application to closing.

Farm Real Estate Loan Rate Types

Fixed Rate Loans

A fully fixed interest rate for the life of the loan. Long-term fixed rates available up to 25 years.

Adjustable Rate Loans

Loans with a fixed interest for a period less than the loan term. Interest rate periods are available from 1 to 15 years.

Variable Rate Loans

Variable rate loans available where interest rates may change monthly based on the cost of short-term money. Interest rates periods are for one month.

Not Sure Which Rate Type is Right for You?

Talk with one of our team members about how annual payments, loan conversions and reamortization options could affect your financing strategy.

Calculate Loan Payments

Enter your total loan amount into this farm loan payment calculator to estimate your monthly payment and loan amount with interest.

About Our Rates

Your estimated recurring payment is $0 for a $0 loan at 0% APR. You’ll pay $0 in interest.

Apply Now

or Recalculate

This calculator is based on the rate being fixed to maturity. A loan not on a fixed rate could change at repricing.

Farm customer standing in an agricultural field supported by farm financing.

Farm Credit Mid-America understands how we operate our business. This business is very seasonal, with influxes of revenue in the spring and fall. They support that.

Kenton A.

Kentucky

Farm Real Estate Financing Resources & Insights

Why Farmers Value Flexible Farm Real Estate Loans

Farm Credit Mid-America financial officer explains agricultural credit decision factors to a customer

Loan Conversion Program

Lower your rate without a full refinance.

Customers discuss leasing program with Farm Credit Mid-America Financial Officer.

Annual Payment Options

Match your payment timing to your farm income cycle.

Tractor baling hay insured through PRF policy.

Partial Releases

Sell land without refinancing the entire property.

Farm Real Estate Loan Questions and Answers

Whether you’re purchasing farmland, refinancing agricultural property or exploring financing options for the first time, these frequently asked questions can help you better understand farm real estate loans and the lending process.

A farm real estate loan is financing used to purchase, refinance or improve agricultural land and farm property. Unlike a traditional residential mortgage, farm real estate loans are designed around the unique needs of agriculture, including farm income, seasonal cash flow and long-term land ownership goals. These loans can be used for purchasing farmland, expanding acreage, refinancing agricultural property or financing qualifying long-term improvements.

Down payment requirements vary based on factors such as the property, loan structure, borrower qualifications and credit profile. Our team works with each borrower to determine the financing solution that best fits their operation and land ownership goals. Contact a local office to discuss your specific situation and financing options.

Yes. Farm improvement loans can help finance long-term projects that add value to your operation, such as barns, grain storage facilities, livestock buildings and other agricultural infrastructure improvements. Financing options are available for larger projects that are intended to be paid off over more than 10 years. Interested in a shorter loan term? Check out our Farm Improvement loan options. 

While both provide financing for real estate, farm real estate loans are specifically designed for agricultural land and farm operations. They take into account factors such as farm income, agricultural production and seasonal cash flow. Traditional residential mortgages are typically designed for primary residences and rely primarily on personal income and standard monthly payment structures.

Yes. Farm real estate loans can be refinanced to better align with your current financial goals, cash flow needs or growth plans. Refinancing may allow you to consolidate multiple loans, adjust your rate structure or restructure existing agricultural debt into a financing solution that better fits your operation.

In many cases, yes. Because agricultural income is often generated seasonally, annual payment options may be available to better align loan payments with your operation's cash flow cycle. A local team member can help determine the payment structure that best fits your operation.

A loan conversion program allows eligible borrowers to convert an existing loan to a different rate option without going through a traditional refinance process. If interest rates change or your financing needs evolve, a loan conversion may provide the flexibility to move into a different rate structure with less time and expense than refinancing.

Reamortization is the process of recalculating a loan's payment schedule based on the remaining balance and loan term. It can help adjust payment amounts when circumstances change, providing additional flexibility while keeping your financing aligned with your operation's needs.

In some situations, yes. A partial release may allow a borrower to sell a portion of financed property while maintaining financing on the remaining land. Requirements vary based on the property and loan structure, so it's important to work with your lender to determine available options before selling acreage.

Farm real estate loan terms vary depending on the property, loan type and financing needs. Long-term financing options are available, including fixed-rate loans with terms up to 25 years. Our local teams can help identify a loan structure that aligns with your operation's goals and repayment strategy.

Yes. Beginning farmers may qualify for farm real estate financing depending on factors such as their operation, business plan and financial situation. We also offer a program for young and beginning farmers, Growing Forward®, to help remove the barriers to  Whether you're purchasing your first farm or building an agricultural operation, our team can help explore financing options designed to support your goals

As a farmer-owned cooperative, Farm Credit Mid-America may return a portion of its earnings to eligible customer-owners through its Patronage Program. Patronage is declared annually by the Board of Directors and is not guaranteed. When approved, patronage provides eligible customers with an additional benefit of borrowing from a cooperative lender.

Ready to Talk?

Ready to Talk?

* Loans and leases are subject to credit approval and eligibility. Additional terms and conditions may apply. Farm Credit Mid-America is an equal opportunity lender.

† Patronage is an annual decision made by the Board of Directors to return earnings to eligible customers. To learn more about patronage or patronage eligibility, please visit our Patronage page.

** Provided that program requirements are met. Conversion has a one time fee of $750.00. Terms and conditions apply. Fee is subject to change.  There may be additional fees associated with the conversion.

Growing Forward® and Know to Grow® are registered trademarks of Farm Credit Mid-America.

‡ Farm Credit Mid-America is an equal opportunity provider.

Farm Credit Mid-America territory includes Arkansas, Indiana, Kentucky, Missouri, Ohio and Tennessee. Arkansas includes Clay, Craighead, Crittenden, Cross, Desha (northeast of the White River), Greene, Lee, Mississippi, Phillips, Poinsett, and St. Francis counties. Missouri includes Carter, Ripley and Wayne counties. Kentucky excludes Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall and McCracken counties. Ohio excludes Crawford, Hancock, Lucas, Marion, Ottawa, Sandusky, Seneca, Wood and Wyandot counties. We serve all counties in Indiana and Tennessee. 

You May Be Interested In

Couple standing in barn with show heifer

Patronage Program

More than $1.75 billion back in our customers’ wallets over the last 10 years.†

Farm landscape with white barn and grain bins.

Agricultural Loans

A range of loans* designed with your operation in mind.

Man in standing in front of green tractor.

Customer Stories

Our customers are at the heart of everything we do.

Man and woman kneel in soybean field.

Insurance

We specialize in crop, livestock and dairy insurance‡.

Farm Credit Mid-America

© 2026 Farm Credit Mid-America. All rights reserved. Farm Credit Mid-America is an equal opportunity lender.