Got Turned Down for a Rural Land Loan?

A decline from one lender isn't always the final answer.

How an Independent Mortgage Broker Can Help

Lenders decline rural Texas properties for common reasons. Some of them can be addressed by a lender program better suited to the property.

FSCAP has arranged financing for rural Texas land since 1993, including a 1996–2006 relationship originating loans for AgFirst Farm Credit Bank. We know rural land appraisals and ag exemptions, and we have arranged loans on many types of rural Texas property.

Common Questions

Lender programs we work with review barndominiums and metal-construction homes on rural land, subject to appraisal and underwriting.

Often, yes. Lenders we work with offer fully amortizing fixed-rate options for qualifying farm and ranch, country home, and recreational land loans. Availability depends on the property, borrower profile, and lender program.

Use the mortgage payment and payoff calculator to model educational planning inputs.

If the property is an operating agricultural tract, review Texas farm and ranch financing considerations before deciding which lender questions to ask.

First Source Capital Mortgage, Inc. | NMLS #217672 | Equal Housing Opportunity