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Mortgage and Farm Land Loans

Refinance or Purchase

We specialize in a wide range of farm mortgage loan and agriculture land loanprograms to help farmers across the United States refinance or purchase new land. Whether you're a rancher or agricultural producer looking to refinance or purchase a new property, we can help you find the right solution for your needs.

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Fixed-Rate Products

Fixed-rate products have a fixed interest rate for the entire loan term. We offer fixed-rate loans for up to 30 year terms.

Available from Modern Terra

  • 7 Year Fixed Rates
  • 10 Year Fixed Rates
  • 15 Year Fixed Rates
  • 20 Year Fixed Rates
  • 25 Year Fixed Rates
  • 30 Year Fixed Rates

Adjustable-Rate Mortgage (ARM) Loan Products

Adjustable-rate loan products have a fixed interest rate for the initial period selected, then reprice and fix again for a specified period that continues throughout the loan term.

Available from Modern Terra

  • 1 Year ARM
  • 3 Year ARM
  • 5 Year ARM
  • 7 Year ARM
  • 10 Year ARM
  • 15 Year ARM

Variable-Rate Mortgage (VRM) Loan Products

Variable-rate products are initially fixed, then reprice, and fixed again for the shorter of the same period or the remaining term of the loan, continuing throughout the entire loan term.

Available from Modern Terra

  • 1 Year VRM
  • 3 Year VRM
  • 5 Year VRM
  • 10 Year VRM
  • 15 Year VRM

Our Product Options

We offer fixed, adjustable rate, and variable rate options, with a loan-to-appraised value of up to 70%. From loan conversion options to seasoned loan options, there are absolutely no prepayment penalties with any of our products.

Approval as Soon as

48 Hours

Prepayment Penalties


Loan to Value


Use our farm land loan and mortgage payment calculator to estimate your payments.

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Flexible Farm Land Loans For Your Needs

Whether you're refinancing or acquiring a new farm property on the east coast or west coast, or anywhere in between our knowledgeable team has experience in all parts of the country.

Being locally owned and operated, we understand the exact needs of the local farmers and can develop a loan program that works best for you. From helping families with sibling buyouts to helping to execute succession plans for the next generation, our experienced farm experts will work directly with you to identify loan options that work best for your situation.

We are proud of our personal approach to agriculture land loans, and are committed to timely processing—often with approval as soon as 48 hours after an application is submitted.

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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