Question 1

What is the difference between FSCAP and Capital Farm Credit?

Accepted Answer

FSCAP is an independent mortgage broker that shops multiple lenders for your best rate. Capital Farm Credit is a cooperative lender that requires stock purchase and membership. FSCAP offers 30-year fixed rates with no balloon notes.

Question 2

Does Capital Farm Credit require membership?

Accepted Answer

Yes. Capital Farm Credit requires borrowers to purchase cooperative stock (typically $1,000) and become association members. FSCAP has no membership or stock requirements.

Question 3

Which lender offers better rates for rural land?

Accepted Answer

As an independent broker, FSCAP shops your deal across multiple investors to find the best rate. Farm Credit is limited to their own rate sheet. Results vary by borrower profile and property type.

Feature	FSCAP	Capital Farm Credit
Lender Options	Multiple lenders — we shop your deal	Single institution
Property Types	All rural property types including barndos	Primarily ag-focused
Service Model	Direct access to Dan — personal service	Assigned loan officer
Loan Structure	30-year fixed, no balloon	Variable or short-term fixed, often balloon
Membership	No stock purchase required	Must buy cooperative stock ($1,000+)

FSCAP vs. Capital Farm Credit — Independent Broker vs. Cooperative

Key Differences