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Loan products and programs

  • Real estate secured revolving line of credit (RLOC). An RLOC can be used for all the operating needs of your farm or ranch.

          - 5 or 10 year commitment – no annual renewal

          - Interest only

          - All or portion of any RLOC can be converted to a fixed rate loan at any time during the draw period

          - No unused commitment fee

          - Semi-annual payment

  • Farm & Ranch term loans

         - Variable rate options

         - Fixed rate options include 3, 5, 7, 10, 15, 20, 25 & 30 year fixed rates

         - Amortizations out to 30 years

         - Monthly, semi-annual or annual payment options.

  • Development financing for permanent crops. Conterra provides development financing for a variety of permanent crops and can tailor the program to your operations specific needs. Give us a call to discuss your specific needs.

          - Financing for acquisition of real estate

          - Financing for land improvements and cultural costs upon approved budget.

          - Interest only, semi-annual payments

  • Agribusiness facility loans, including ag processing and storage units

 

Lifestyle Ranch Loan

The Lifestyle Ranch Loan Program is an alternative loan product option for an individual wage earner financing a minimum of 60 acres for recreational or hobby farm use. Fixed rate options out to 30 years are available.

 

Eligible Loan Qualifications

• Maximum loan size: $3,000,000

• Loan-to-value: Up to 70% (60% in 9 designated Midwestern states)

• Minimum annual debt obligations: 39% (calculated total annual P&I/gross income)*

• Credit score: Acceptable credit history and a minimum credit score of 700

• Purpose: Purchase or refinance; cash-out not allowed

• Other: Dwelling and any other improvements

 

Farm & Ranch Loans

 

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