Farm Land Loans in Georgia, North Carolina & South Carolina
Own the Ground Your Farm Grows On
You need a lender who understands that land is more than collateral. It’s heritage, security, and the foundation of your operation. Owning land is at the heart of every farm’s future. Whether you’re buying acres to start a new operation or to expand your family’s farm, AgSouth Farm Credit offers farm land loans built for agriculture.
What are Farm Land Loans?
Farm land loans help producers buy, refinance, or expand agricultural real estate. Unlike traditional mortgages, these loans are tailored to the unique cash flow and seasonality of farming.
Through AgSouth Farm Credit, you can secure financing to purchase new acres or refinance existing loans at competitive rates.
How Can You Use a Farm Land Loan?
AgSouth farm land loans can be used to:
- Purchase farmland for row crops, livestock, orchards, or timber
- Refinance existing land loans to lower rates or extend terms
- Expand your operation with adjacent property or new acreage
- Improve farm land value through improvements like fencing
- Easily transfer family farms between generations while maintaining ownership within the family
Flexible financing that works as hard as you do.
Why Farmers Choose AgSouth Farm Credit for Land Loans
When you borrow from AgSouth, you’re working with a cooperative lender that knows agriculture firsthand.
- Local decision-making from ag-experienced lenders who understand both farm and business realities
- Competitive rates and flexible repayment terms
- Financing structured around crop or livestock income cycles
- The opportunity to share in AgSouth's sucess with Patronage refunds
We don’t just finance land, we help you build generational security.
Do I Qualify for a Farm Land Loan?
You may qualify if you:
- Own or operate an agricultural business or farm
- Plan to use the property primarily for agricultural production
- If you plan to hold on to the land long term
- Can demonstrate farm income or a feasible business plan for a new operation
Young, beginning, and small farmers may also be eligible for FSA-guaranteed loan options with lower down payments and flexible underwriting.
Calculate Your Farm Land Payment
Farm Land Loan FAQs
Can I refinance an existing farm land loan with AgSouth?
Yes. We help farmers refinance to improve rates, adjust terms, or access equity for growth.
Do I need to farm full-time to qualify?
No. We work with both full-time and part-time farmers whose primary use of the land is agricultural.
Can I buy land to expand an existing farm?
Absolutely. Many members use AgSouth Farm Credit to purchase adjacent or new acreage for expansion.
Do you offer FSA partnership options for young, beginning and small farmers?
Yes. Your lender can combine AgSouth financing with FSA programs to make ownership more accessible.
How to Apply for a Farm Land Loan
- Connect with your local AgSouth Farm Credit lender.
- Discuss your purchase or refinance goals and farm plans.
- Build a custom financing package that fits your cash flow.
- Close locally and start cultivating your next chapter.
Contact a Lender
About AgSouth Farm Credit
AgSouth Farm Credit is a member-owned agricultural cooperative serving Georgia, North Carolina and South Carolina. We provide land, farm, home, and agribusiness financing and return profits to our customers through patronage refunds.