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Land Loans - Oklahoma Ag Credit

Land Loans

Competitive Interest Rates and Flexible Terms

Farm & Ranch Loans

  • Purchase, improve or refinance rural land. 
  • Farm or ranch land
  • Recreational or investment property
  • Refinance an existing mortgage to a lower rate
  • Make lasting improvements to your property
  • Options you want
  • Rate Choices
  • Fixed rates with long-term maturities that have consistent payments help manage risk and cash flow. Terms up to 30 years.
  • Variable and adjustable rates adjust at monthly or yearly intervals. Convert your loan to a fixed rate with minimal cost and time. 1- to 15-year terms.
  • Flexible payments
  • Monthly, quarterly, semi-annual and annual payment terms

Country Home Loans

From acreage with a house to a large working ranch and everything in between, we have the financial solution. When it comes to financing your country home, choose a lender that’s already there. Our offices and loan officers are locals in the communities we serve. Here’s a list of all our NMLSR registered loan officers.

Recreational Land

Specializing in both agriculture and rural real estate, we can help you buy that dream property, even if you don’t plan on using it for production agriculture. That is what makes us the leading experts in all things rural Oklahoma.

Young, Beginning and Small Farmers Loans

Oklahoma AgCredit has over 100-years of experience in agriculture. We can help young, beginning and small farmers or ranchers (YBS) build a sound and viable business operation by providing you with reliable, consistent credit. Our YBS Program has more flexible standards to help you get capital you need to grow your operation while you strengthen your financial status.

Our YBS Program is for you if any of the following describes you:

  • 35-years-old or younger at loan closing
  • Experience of 10 years or less
  • Generate less than $250,000 in annual gross sales

We are committed to supporting YBS farmers, ranchers producers or aquatic harvesters to either begin, grow or remain in agricultural production. Helping facilitate the transfer of agriculture operations from one generation to the next is critical for Oklahoma’s future in agriculture.

Terms apply. See lender for details.

We Play Well With Others

Oklahoma AgCredit can coordinate with other lenders to help you get the best deal. We can work with other lenders, government agencies, and co-signers to develop joint financing.

We often partner with USDA’s Farm Service Agency on loan programs, including:

  • Beginning Farmer Down Payment Farm Ownership Program (Local FSA office)
  • Direct Farm Ownership Program—Participation Loan Program (Local FSA office)
  • Guaranteed Operating/ITL (OKAC designated Agent)
  • Guaranteed Farm Ownership Programs (OKAC designated Agent)

Military Loan Program

We appreciate the dedication of our nation’s military personnel. Our Military Loan Program supports Veterans and active duty members of any U.S. Military branch who want to begin, grow or remain in agricultural production.

To apply, you will need to provide verification of your service.

There are a variety of programs available to assist borrowers within the military community. Oklahoma AgCredit is committed to coordinating with other lenders, government agencies and other entities to train, educate and to provide financing for borrowers who have served in the military.

Appraisal Services

Experts in rural markets, Oklahoma AgCredit’s Appraisal Team is here to help when you need a professional appraisal done in a timely and cost-effective manner.

Covering all 77 counties of the state, our appraisers are located across our territory. This brings knowledge of the local market; our appraisers understand values in your area.

When you need an appraisal for on rural property, ranging from cropland, part-time farms, ranches, to country homes, we can help. Our staff can appraise agribusiness and livestock operations, too.

Appraisal services offered for:

  • Estate or Inheritance Tax Valuation
  • Loan Documentation
  • Estate Planning or Settlement
  • Investment Analysis

Our team of experienced Certified General Appraisers follow the Uniform Standards of Appraisal Practices approved by the Appraisal Foundation. We specialize in valuing Oklahoma’s greatest resource, agriculture.

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