Recreational Land Loans
At Capital Farm Credit, we make it easier to own the rural retreat you’ve always dreamed of. Whether you’re looking for a private hunting spot, a peaceful weekend getaway or a place to build lasting memories with family, our recreational land loans are designed to help you finance property used primarily for enjoyment rather than income-producing agriculture.
With competitive rates, flexible terms and a team that understands the unique value of rural land, we’re here to support your journey to land ownership.
Recreational Land Loans Can Be Used For:
Hunting Land
Recreational land loans can be used to purchase property intended for hunting.
Weekend Getaways or Second Homes
They are ideal for weekend getaways or building a second home in a rural setting.
Recreational Property
Finance land for fishing, hiking or other outdoor leisure activities.
Family Retreat Acreage
Secure acreage to serve as a private family retreat.
Future Development
Acquire land intended for future development or long-term investment, as long as it is not used for commercial purposes.
Recreational Land Loans Cannot Be Used For:
Commercial Operations
These loans cannot be used to purchase property primarily intended for commercial farming or ranching operations.
Residential Homes Located Within City Limits
They are not eligible for financing residential homes located within city limits.
Income-Producing Agricultural Operations
Properties used for income-generating agricultural production are not eligible for this type of loan.
Commercial Development
Land intended for industrial, commercial or retail development does not qualify for recreational land loan financing.
Benefits of Capital Farm Credit Recreational Land Loans
We Know Texas
Our loan officers live and work in the communities they serve, bringing local knowledge and personal service to every land loan.
Flexible Loan Options
We offer a variety of terms and payment structures to fit your lifestyle, goals and financial plan.
Patronage
As a cooperative, we return a portion of our earnings to our members through our patronage program — reducing your effective cost of borrowing.
We’re Here for the Long Haul
Whether you’re purchasing a small parcel or planning to expand and improve your property over time, we’re committed to helping you every step of the way.
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 member-owned cooperative, Capital Farm Credit shares its earnings with members through our Patronage Program. Each year, we return a portion of our profits to eligible members — effectively lowering your cost of borrowing and giving you a financial stake in the success of our cooperative.
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Member Stories
Recommended by Texans Like You
“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, and we were able to make our dreams really come true. You feel like you are all working together toward the same goal. Capital Farm Credit came alongside and made it happen.”
Brittain GriffithFrequently Asked Questions
Recreational land is rural property primarily used for personal enjoyment — such as hunting, fishing, hiking, camping or as a weekend retreat — not for commercial farming, ranching or urban development.
Yes, recreational land loans may include plans for building a cabin or second home, as long as the property remains primarily for personal use and is located in a rural area.
We finance a wide range of rural property sizes. Reach out to your CFC Relationship Manager to discuss specific acreage requirements and what’s available in your area.
As a cooperative, Capital Farm Credit returns a portion of our earnings to eligible borrowers each year. This Patronage Program lowers your effective interest rate and gives you a share in our success.
Recreational land loans are not intended for income-generating use. If you plan to use the property for commercial purposes, including rentals or farming, a different loan type may be more appropriate.
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