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About Us

We are a family owned and operated business with decades of experience in farming and finance. We take a personal approach to everything we do.

Meet the Team

Specializing in Farm Mortgage Loans

We work work with fruit, nut, vegetable growers, cotton, and row crop farmers across the United States to help fund their operations. With roots in California Agriculture, we are proud to be working with and helping farmers across the United States.

Farm Mortgage Experience

45+ Years

Helping Farmers Across

All 50 States

Founded in


Meet the Management Team


Richard Cook

Managing Director

Richard founded Modern Terra in 2015 and got his first experience within the farming industry in the 1970s. Now, after more than 45 years in agriculture, Richard’s keen understanding of the industry helps determine the best financial solution for your needs.


Madison Durkin

Vice President

Madison was raised in and surrounded by agriculture, works with farmers daily, and loves visiting client farms each year. Your unique situation is always treated with care, as Madison personally handles all account management for Modern Terra.


Apply to See Your Best Rates

Complete your information and we'll reach out by phone within 24 hours to see if you pre-qualify.

Apply Online


Call to Speak to a Lending Expert

We will review your financials, learn about your farm, and find the best loan options to meet your needs.

Call (480) 659-9669