Borrowers must meet the following guidelines

Farm Loan Requirements

• Minimum Credit Score: 660 (at least one of the three major bureaus)
• Minimum Loan Amount: $200,000.00
• Minimum acreage (unless permanent planting operation): 5 acres
• Location: Property can be anywhere within the United States
• Income: Must have sufficient income to service all debts (personal and business)
• Assets: The sum of all assets owned (including household furniture) must be double what your accumulated debts equal, post purchase – – 60% debt-to-asset ratio
• Purchase: Must have a down payment of at least 25% or additional farm land to use as collateral
• Refinance: Must have at least 25% equity in your property

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