Land Loans

Large and small acreage, farmland, timberland, and recreational land

It’s hard finding a lender that is comfortable with land financing. AgSouth specializes in financing structured for land and farm loans. Our loan officers make land and farm loans every day for customers just like you. We understand your goals so you can feel secure in your financing decision, and focus more on making plans for your new piece of land.

If your goal is to buy land to hunt, farm, or eventually build your home – AgSouth can finance your dream property. We make loans for recreational land, timberland, farm land, large and small acreage.

Competitive, fixed rates up to 20 years (15 years on lot loans)

No maximum acreage limitation

Up to 85% financing (75% for lot loans)

No prepayment penalties

Plan to Build?

AgSouth has multiple construction options if you plan to build on your land after you purchase it. Whether it’s a custom built home with AgSouth Farm Credit, or a construction-to-permanent option with AgSouth Mortgages, we will make sure you have the right fit for your needs.

How to Buy Land

The land loan process is slightly different than home mortgages and can be complex depending on the land and other factors. It’s important to go with a specialized lender who can navigate the process smoothly. For example, did you know that in a busy market land appraisals can take up to 6 weeks or longer? Be prepared for the land loan process by watching this video.

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Calculate Your Monthly Payment.

This land loan calculator computes monthly payments & the total interest based on the purchase price, a minimum down payment of 15%, interest rate and number of monthly payments

*This is an estimate of loan payment. Actual payment amount may vary depending on interest rate, closing date, and other factors.

Contact a Lender

If you're ready to buy, or want to know how much you can afford, contact a loan officer today!

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