flgaland@gmail.com
    (386) 243-0124

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Can I Get a Mortgage on a Farm?

Can I Get a Mortgage on a Farm?

If you’re thinking about buying a farm in North Florida, you may not have all the cash to buy it outright – but can you get a mortgage to purchase farmland?

Here’s what you need to know.

Can I Get a Mortgage on a Farm?

Usually, you can borrow money to buy a farm. The loan on a farm is likely different than what you’d expect from a traditional mortgage, though.

You can use the Farm Service Agency – a branch of the U.S. Department of Agriculture – to get at least some of the financing you need to purchase a farm. That may include:

  • An operating loan you can use to buy livestock, seed and equipment
  • A farm ownership loan you can use to buy (or expand) a farm or ranch
  • A microloan, which is a type of operating or farm ownership loan that’s available to small and beginning farmers
  • Targeted loan funding you can use if you’re part of a minority group (these loans are available to minority and women farmers and ranchers)

How to Get a Loan on a Farm

Before you start searching for the perfect farm to buy in North Florida (or anywhere else, for that matter), it’s a good idea to start talking to lenders. You’ll be able to find out how much you qualify to borrow, and you’ll be able to learn more about the borrowing process.

Are You Buying a Home or Land for Sale in Lake City?

If you’re moving to Lake City, we can help you find the perfect place to live. Call us at 386-243-0124 to tell us what you want from your home and we will begin searching right away.

Check these out:

  • Paved road frontage for sale in Columbia County
  • Non-deed-restricted land for sale in Columbia County
  • Wooded oak tree land for sale in Columbia County
  • Land-for-land home combo in Lake City
  • Waterfront residential in Lake City
  • Waterfront land in Columbia County
  • Bank-owned homes and foreclosure in Columbia County
  • Short sales in Columbia County
Woods Lane $1,180,800

Woods Lane Other, Florida

262.400 Acres

10205 N County Road 229 $329,160

10205 N County Road 229 Sanderson, Florida

54.860 Acres

Hwy 245 -Price Creek $292,000

Hwy 245 -Price Creek Lake City, Florida

36.500 Acres

SE Pebble Ridge $151,900

SE Pebble Ridge Lee, Florida

40 Acres

8436 Price Creek Hwy 245 $146,000

8436 Price Creek Hwy 245 Lake City, Florida

18.250 Acres

180Th Street $122,950

180Th Street Live Oak, Florida

20 Acres

TBD SW Hike Lake Road $78,900

TBD SW Hike Lake Road Madison, Florida

40.010 Acres

SW 76Th Drive $18,500

SW 76Th Drive Jasper, Florida

4 Acres

 

Posted in: Blog, Buyers, Buying, Farmland, Real Estate, Real Estate Investments, Tips Tagged: Blog, Buyers, Buying a Farm, Buying a Farm in Florida, Farm, Mortgage, Tips

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Lake City, Florida 32055

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Search Smarter

Did you know the hottest North Florida land for sale often sells within days of being listed? Don't miss out! Set up your own custom property alert so you can be notified of the newest land as they hit the market! Simply click the button below and choose the types of North Florida land you are looking for and save your search to start getting alerts today!

New Property Alerts

As a local expert, I also have access to North Florida land for sale before it hits the market and can show you more information that is only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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