Hunting & Recreational Land Loans in Texas
Whether you are purchasing a whitetail deer hunting ranch in the Hill Country, a duck hunting property along the Texas coast, or a multi-use recreational tract in East Texas, FSCAP provides long-term fixed-rate financing designed specifically for rural land buyers. We have financed hunting properties across Texas since 1993 and understand how to value land that traditional banks often overlook.
Many local banks and credit unions offer short-term balloon notes on recreational land, forcing you to refinance every 5 to 10 years at whatever rate the market dictates. FSCAP writes fully amortizing 30-year fixed loans with no balloon payment and no forced refinance. Your payment stays the same from day one through final payoff.
Recreational Property Types We Finance
Hunting Ranches
Whitetail deer, turkey, quail, dove, and exotic game properties. We finance managed hunting ranches with blinds, feeders, food plots, and existing improvements. Minimum 10 acres.
Waterfowl & Coastal Properties
Duck hunting land, coastal marshes, and rice field leases along the Texas Gulf Coast. Seasonal flooding and wetland designations are not a problem for our underwriting team.
Fishing & River Properties
Riverfront tracts, stock tank properties, and land with creek or lake access. We finance recreational properties where water features are the primary draw, including those in floodplain areas.
Family Retreats & Weekend Land
Multi-generational family compounds, weekend getaway tracts, and rural retreat properties. Whether you plan to build a cabin, park an RV, or simply enjoy the open land, we can finance it.
Hunting Land Loan Features
- ✓30-year fixed rate — no balloon payment, no forced refinance after 5 or 10 years
- ✓No cooperative membership required — unlike Capital Farm Credit, you do not need to buy stock or join a co-op
- ✓Minimum 10 acres — we finance tracts from 10 acres up to several thousand acres
- ✓Improvements welcome — cabins, barns, ponds, fencing, and wildlife management infrastructure can be included
- ✓Flexible down payment — as low as 15% down depending on property type and borrower qualifications
- ✓No prepayment penalty — pay off your loan early without fees or restrictions
Why Choose FSCAP for Hunting Land
Most conventional lenders view recreational land as high-risk because it does not generate traditional income. They either decline the loan entirely or offer unfavorable terms with short amortization periods. FSCAP specializes in rural Texas land and understands that hunting properties hold their value, appreciate over time, and represent a sound long-term investment.
Our team has closed hundreds of recreational land transactions across every region of Texas. We know how to appraise properties with wildlife management valuations, ag exemptions, and conservation easements. We work directly with land brokers, wildlife biologists, and title companies who specialize in rural transactions.
Looking beyond dedicated hunting property? Compare broader weekend-ranch, fishing, and retirement-land options in our Recreational Land Loans program. Ready to finance your hunting property? Start your application or call us at 888-484-1256 to discuss your property with a loan officer who understands recreational land.
Licensing & Compliance
First Source Capital Mortgage, Inc. is licensed in Texas. Company NMLS #217672.
Loan Officers: Dan Cunyus (RMLO #218025), Marita Cunyus (RMLO #271320), Billy Curb (RMLO #1649965).
This is not a commitment to lend. All products are subject to credit approval and property appraisal. Rates and terms subject to change without notice.
