Land Loans
At Capital Farm Credit, we support Texas agriculture and the dreams of Texans that shine big and bright. We make it easier to buy, improve or refinance farm and ranch land, as well as rural properties by offering competitive rates, flexible terms and personalized service. We’re your partner for the long term. Whether you’re purchasing agricultural land, recreational acreage or a rural homesite, we provide financing solutions tailored to fit your specific needs and together, we’ll achieve more—after all, everything is bigger in Texas.
Need to refinance an existing loan? Our options can help lower your interest rate, reduce monthly payments or consolidate debt, giving you more financial flexibility while investing in your land. With more than a century of experience in rural Texas financing, we’re here to support your vision — whether you’re starting fresh or expanding your operations, we’ll make your dream a reality.
Our Land Loans Can Be Used For
Agricultural Land
Finance the purchase or improvement of farmland or ranch land for crop production, grazing or other operations.
Recreational Land
Secure a loan for hunting, fishing or simply enjoying the great outdoors on your own ranch.
Rural Homesites
Build or buy your dream home in the country, with acreage for your family to grow.
Adjacent Lots
Expand your property by financing the lot next to a primary residence or homestead dwelling. Contact your local CFC office for more information.
Cash Equity Loans
Our equity financing solutions help you tap into the value of your property to access funds for a wide range of needs.
Why Partner With Capital Farm Credit to Purchase or Refinance Your Land Loan?
- Specialized Expertise in Rural Real Estate: With a deep understanding of rural land valuation, CFC ensures that borrowers receive accurate appraisals and financial advice. This expertise reduces uncertainty for buyers, helping them make informed decisions about property investments.
- Local Experts: Our lenders live and work in the same Texas communities as our customers, offering local insights and personalized service.
- Patronage Program: As a cooperative, we share our profits with you. Over the years, we’ve returned $2.9 billion to our members, effectively lowering the cost of borrowing.
- Flexible Financing Options: CFC offers adjustable and fixed-rate financing options tailored specifically for purchasing, building or refinancing ranch and recreational land. Borrowers can choose the structure that best fits their financial situation and long-term goals, ensuring flexibility in planning.
- Low Down Payment and No PMI: CFC provides competitive financing with lower down payment requirements and no private mortgage insurance (PMI). This makes ranch land ownership more accessible and affordable, reducing up-front costs and ongoing expenses.
Capital Farm Credit Land Loans Can Help You
- Purchase land: Buy farm and ranch land, recreational property or rural homesites.
- Refinance existing loans: Lower your monthly payments, reduce your interest rate or consolidate multiple loans.
- Make improvements: Fund upgrades such as fencing, irrigation systems, barns, sheds and other agricultural structures.
- Construct or expand facilities: Build or enlarge facilities for equipment storage, livestock or other operational needs.
Ready To Get Started?
Applying for a Capital Farm Credit loan is easy and secure. Start by filling out the form at the link below—we’ll use your information to match you with the right loan application for your needs.
Need help getting started? We’re here for you — just give us a call at 877-944-5500.
Apply NowLoan Payment Calculator
Estimate your monthly loan payment.
Our Loan Calculator helps you estimate payments and understand the total cost of borrowing, so you can see how financing fits into your operation’s budget. Simply enter key details like loan amount, interest rate, term length, payment frequency and amortization type to get started.
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Patronage Program
A partnership that pays.
As a cooperative, Capital Farm Credit returns a portion of its earnings to our members through our Patronage Program, which can effectively lower the overall cost of borrowing. The more you borrow, the more you can earn in patronage dividends. Since 2006, members have received $2.9 billion in combined cash returns and allocated equities, reinforcing CFC’s commitment to supporting the agricultural community and rural Texas.
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Member Stories
Recommended by Texans like you.
“I’m Wes Mangan and I live on a piece of property with my wife and two boys. I work in oil and gas and I travel a lot. And so when I come home, it’s like my sanctuary. It’s the first land I’d ever purchased. Dealing with Capital Farm Credit was super easy for us through the whole process.”
Wes Mangan
Member Stories
Recommended by Texans like you.
“So land came available for us to purchase and we were talking with some family and some friends about it and they said, Hey, you should call Capital Farm Credit. And so we picked up the phone and made that call and it was a great call. Capital Farm Credit knew exactly what buying land was about, what ranching was about, and really kind of walked us through the process and made it easy.”
Cody Catalena, Bryan College Station
Member Stories
Recommended by Texans like you.
“I am Brit Griffith. I am a father, husband, and we have four beautiful girls. My wife and I had a dream and plans to find a place where we could build a lake and raise our kids. So we worked with Capital Farm Credit together, and we were able to make our dreams really come true. You feel like you are all working together towards the same goal. Capital Farm Credit came alongside and made it happen.”
Brittain GriffithFrequently Asked Questions
We offer flexible repayment terms designed to fit your financial needs. Loan terms vary based on the type of land, loan amount and borrower qualifications, with options for short- and long-term financing.
The land itself typically serves as collateral for the loan. In some cases, additional collateral may be required depending on the loan amount and the borrower’s financial situation.
Loan amounts vary based on factors like property value, loan-to-value (LTV) ratio and borrower qualifications. Contact a Capital Farm Credit loan specialist to discuss specific financing options.
LTV ratios vary based on loan type, land use and credit qualifications. However, Capital Farm Credit typically offers competitive LTV ratios to help customers secure financing with a reasonable down payment. In some cases, it is typical to finance 80% of the value, even going as high as 85% in some instances.
Yes! Our land loans can be used for recreational property or your future home site, not just for agricultural purposes.
Yes! If you’re looking to purchase land for hunting, fishing or recreation, we offer land loans specifically designed for these types of properties.
A land loan helps you purchase or refinance land for future use, whether for farming, recreation or home building. A construction loan is specifically for building a home or structure on the property, with funds disbursed in stages as construction progresses.
We offer refinancing options that can help you lower your interest rate, adjust loan terms or consolidate debt on existing land financing.
We are bound to honor the program, but you can elect to change the program at any time. Ask your lender for more details.
Absolutely! Whether you’re purchasing land to start farming now or in the future, we provide financing options to help you secure the property and plan for long-term agricultural use.
Yes, we can finance lots located next to a primary residence.
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We’ve Got You Covered
We don’t just provide financing for land investment — we help you secure, grow and sustain your operation for generations to come.
