Rural & Agriculture Financing Center
Whether financing acreage, refinancing a mortgage or land contract or making related improvements, High Plains Farm Credit provides the most flexible financing for your purchase, including long-term fixed rate financing options.
- Agricultural Land Financing FAQWhat type of Land do you finance?
We finance all types of land and land improvements used for agricultural purposes. We have a wide range of products for the purchase or refinancing of debt on farms, ranches, facilities and rural real estate.
What are your interest rates?We offer competitive fixed, variable, variable-indexed and adjustable-rate loans. We also offer fixed-to-variable loans and loan conversion options as interest rates or your circumstances change.
What terms do you offer?We tailor our loan and repayment plans to a variety of interest rate programs, depending on the loan’s purpose, repayment terms and the flexibility you need.
What payment schedules do you offer?You can choose monthly, quarterly, semi-annual or annual payment schedules to meet your cash flow expectations.
What is needed to complete a loan application?Real estate financing decisions are made on a variety of information, which may include a credit bureau report, statement of financial position (balance sheet), income statement (tax return) and/or cash flow projection.
How long does it take to process a loan application?We offer quick decisions on loan applications. Our average credit decision turnaround time is 2 - 3 days.
How long does it take to get appraisals completed?We have an in-house certified appraisal team that completes appraisals for a competitive flat fee. The average appraisal time is 5 days.
What is a primary market lender and why does it matter?As a primary market lender, High Plains Farm Credit retains ownership and service through the life of your loan. We will not sell your loan to a secondary lender or change any terms such as grace periods and fees.
- About High Plains Farm CreditWho is High Plains Farm Credit?
High Plains Farm Credit is a local agriculture-lending cooperative owned and controlled by our customer-stockholders. Since 1916, we have been fully devoted to agricultural financing. With over 50 employees, we serve over 1,700 farmers, ranchers and agribusinesses with nearly $1.5 billion of loan volume serviced. Learn more at www.HighPlainsFarmCredit.com.
What does it mean to be a customer-owner of High Plains Farm Credit?When you finance with High Plains Farm Credit, you become a customer-owner. That means, along with great rates and terms, eligible customer-owners can get cash-back dividends through our patronage program. This is a unique opportunity to share in our net earnings. We have paid more than $30 million in cash-back dividends since 2014.
Looking to finance a rural home or property?
Contact High Plains Farm Credit at 800-369-9625 or locate your local office.