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Applying for an ag land loan can feel like a complicated process. How long will it take to apply for a land loan? What documentation do I need to provide for a land loan? Will I have to spend hours looking for those documents?
At FBN Finance, we want to make the land loan application process as streamlined and simple as possible so you can spend your time where it should be spent: on your operation. To answer common loan questions, we've created two free guides:
Below, you’ll find a list of the documents you'll typically need to provide in the application process*:
Driver’s license or government-issued ID
Entity documents, if applicable (depending on the type of entity involved, this may include: articles of organization, articles of incorporation, operating agreement, By-laws, partnership agreement, trust documents, etc.)
Current balance sheet for all borrowers and entities
3 years of tax returns for all borrowers and entities
Legal description / parcel ID on all land to be used as collateral
Projection / crop budget
Crop insurance information
Verification (statements) of liquid assets and liabilities from the balance sheet
The new Ag Land Loans 201: Loan Preparation guide breaks down the documentation you'll need for a full underwrite vs. a scorecard underwrite.
You'll also gain insight on:
The impact of current leases on your farmland loan
The average upfront costs and closing costs
Choosing between setting up your purchase as an LLC vs. corporation
If you’re considering applying for a land loan, the loan advisor team at FBN Finance is here to help. FBN Finance loan advisors are ready to walk you through each stage of the real estate loan process and are well equipped to develop personalized solutions to fit your farm's unique needs.
If you're ready to complete your land loan application independently, FBN Finance has a straightforward online application for ag land loans that will guide you through the process. If you'd prefer to speak with a member of our team for additional support, call 866-551-3950.
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*This is a non-exhaustive list. There may be situations in which additional or updated documentation will be required. Financing offered by FBN Finance, LLC and its lending partners. Terms and conditions apply. To qualify, a borrower must be a member of Farmer’s Business Network, Inc. and meet all underwriting requirements. Interest rates and fees will vary depending on your individual situation. Not all applicants will qualify.