Frequently Asked Questions — Texas Rural Land Loans

Answers to common questions about farm & ranch loans, barndominium financing, recreational land, and rural property mortgages in Texas.

How quickly can I get approved?
Timelines vary by deal complexity. Our rural-land expertise means fewer delays and surprises. Call us for a realistic timeline on your specific deal.
What credit score do I need?
Minimum 640 FICO. Better rates are available with 680 or higher.
What's the minimum down payment?
For most programs, minimum 20% down. Construction loans may require 25% down.
Do you finance barndominiums?
Yes! Barndominiums are one of our specialties. We finance purchase, refinance, and construction-to-perm loans on barndominiums.
What states do you serve?
We are licensed in Texas.
What is a balloon note and why should I avoid one?
A balloon note gives you a 30-year payment schedule but the full balance comes due in 10-15 years. FSCAP writes true 30-year fully amortizing fixed loans.
Do I need to buy cooperative stock or join an association?
No. Unlike Farm Credit, FSCAP has no cooperative membership requirement, no stock purchase, and no association liability.
What if my home value is less than my land value?
We lend when the home is as little as 30% of total property value. Large acreage with a modest homestead is our specialty.
Contact Us

Call: 888-484-1256