Recreational Land Loan Program

  • 70.00% LTV Excellent program with quick and easy approval process

  • 30 year fixed rate and ARM loans

  • Flexible loan terms to suit borrower needs Land with barns, fencing, and other site improvements acceptable

  • Site improvements limited to 25% of the appraised value

  • Property located outside of the established city limits

  • 60 acres minimum preferred (exceptions may be possible )

  • Income may include limited production of livestock and crops

  • Open Space for AG USE exemptions on property taxes preferred

  • Minimum FICO scores 700 for all borrowers

  • Max Debt to Asset Ratio 55.00% based on current balance sheet

  • 39.00% Annual P&I /Gross Income ratio

  • Appraisers selected from qualified panel of rural appraisers

The Recreational Land Loan Application is not an online application like the Residential and Country Home Mortgage Loans. 


Click the "Apply Now" button to download the Recreational Land Loan Application, which is the same as the Farm and Ranch Real Estate Loan Application.


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