Land Loans
Flexible Financing for Your Farm, Ranch, or Rural Property
Whether you’re expanding your farm, purchasing ranch land, or investing in recreational property, Oklahoma AgCredit offers flexible land loan solutions with competitive rates and terms. Our experts understand rural financing and are here to guide you every step of the way.
Flexible Financing for Land Ownership
Farm & Ranch Loans
Whether you’re looking to buy your first farm or expand an existing operation, we offer:
Land purchases for farming, ranching, and agricultural use
Land improvements such as fencing, grain bins, and irrigation systems
Refinancing to secure better interest rates
Pastureland and cropland investments
Recreational & Investment Land Loans
If you’re purchasing land for hunting, fishing, or investment purposes, Oklahoma AgCredit offers financing solutions beyond traditional agricultural use. We provide loans for rural acreage, large recreational tracts, bare land, and future investments.
Young, Beginning, and Small Farmers Loans
Oklahoma AgCredit is dedicated to helping young, beginning, and small farmers build a strong foundation for their agricultural businesses. Our YBS Program offers flexible lending standards to make it easier for new farmers to access capital and grow their operations. Eligible borrowers include those 35 years old or younger, with 10 years or less of farming experience, or earning less than $350,000 in annual gross farm income.
Collaborative Financing Solutions
We work alongside other lenders, government agencies, and co-signers to provide the best financing options for rural borrowers. We often partner with the USDA Farm Service Agency (FSA) to offer programs such as the Beginning Farmer Down Payment Program and Guaranteed Farm Ownership Loans. By coordinating with these agencies, we help farmers secure funding with competitive rates and flexible terms.
Appraisal Services for Rural Properties
Our certified appraisal team provides professional evaluations for farms, ranches, and rural properties across all 77 counties in Oklahoma. We specialize in valuing cropland, livestock operations, rural homes, and agribusiness properties. Whether you need an appraisal for estate planning, loan documentation, or investment analysis, we deliver accurate and timely valuations to support your financial decisions.
Rural Home Loans with Rural 1st®
Through our partnership with Rural 1st®, we offer financing for homes in rural areas, including:
Purchase and construction loans for rural homes
Home equity loans for property improvements
Barndominium and metal home financing
No private mortgage insurance (PMI) required
Rates & Terms Built for Agriculture
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For those looking for predictable payments, we offer long-term fixed rates up to 30 years. This option provides financial stability, making it easier to plan for the future.
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If you prefer an option that adjusts over time, our variable rates change as market conditions fluctuate. This may allow for lower payments when interest rates decrease.
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With an interim-fixed rate, your loan will have a fixed interest rate for an agreed-upon period before converting to a variable-rate loan. This option combines initial stability with future flexibility.
Additional Benefits
Beyond competitive rates and flexible terms, Oklahoma AgCredit provides additional benefits to make financing easier and more cost-effective:
Rate Conversions
If interest rates drop, you may be able to convert your loan to a lower rate for a minimal fee.
Competitive Fees
We offer fair and transparent fees, with no application fees on land loans (construction loans excluded).
Flexible Payment Schedules
We align payments with your farm or business income cycle, offering monthly, quarterly, semi-annual, and annual options.
Online Access
Manage your loan anytime, anywhere by viewing balances, making payments, and transferring funds online.
In-House Appraisals
Our certified appraisal team provides expert, reliable land valuations, helping you secure your financing quickly.
How to Apply for a Land Loan
Oklahoma AgCredit makes the loan application process simple, with the option to apply online or in person. Our lending officers walk you through every step so you get the best financing option for your needs.
What You’ll Need to Apply
Property details, including location and acreage
Cash flow intent for the land (agricultural use, investment, recreational, etc.)
Down payment source (cash, equity, or other assets)
Additionally, we may request:
Driver’s license for identification
Tax returns (personal and business, if applicable)
Financial statements/balance sheets
Signed authorization for release
Entity or trust documents, if the purchase involves a trust or business entity
Whether you're looking to purchase, improve, or refinance land, Oklahoma AgCredit is here to help.
Whether you're looking to purchase, improve, or refinance land, Oklahoma AgCredit is here to help. Our team specializes in financing rural Oklahoma and is ready to guide you every step of the way.
Loan Calculator
* To adjust these values, please use the full Loan Calculator. This is a research tool and the amount is subject to change.