Looking to purchase land for your dream home, expand your acreage, or invest in timberland? Horizon Farm Credit offers flexible land financing solutions tailored to your needs—whether you're buying bare land, a residential lot, or forested property. With expert guidance and local service, we make rural land ownership easier than ever.
Types of Land Loans
Bare Land Loans
If you're purchasing undeveloped land with no buildings or infrastructure, our bare land loans are designed for you. Whether it's a 10-acre homesite, a 50-acre woodlot, or 300 acres of cropland, we offer:
- Terms up to 20 years (based on credit and down payment)
- No prepayment penalties
- Financing for residential, business, or recreational use
Lot Loans
If you want to purchase bare land, we offer acreage loans and other land loan products with:
- Competitively priced, fixed and variable rates
- Flexible terms and payment schedules
- No maximum acreage limitations
- Flexibility if you want to use it for residential purposes
Timber & Forest Land Loans
Own or plan to purchase land with timber? We understand the unique value and management needs of forested properties. Our team includes forestry experts who provide:
- Timber cruising and appraisals
- Forest sustainability guidance
- Financing tailored to timberland investments
Construction Land Loans
Planning to build your dream home—now or later? Our lot loans help you secure the perfect parcel today, with the flexibility to build when you're ready. Ideal for smaller lots in rural areas, these loans offer:
- Competitively priced, fixed and variable rates
- No maximum loan amount
- No maximum acreage limitations
- Acceptance of manufactured housing
- One-time closing for both land and construction
- One year interest only
Loan Benefits & Features
- Competitively priced, fixed and variable rates
- Flexible terms and payment schedules
- No maximum acreage limitation
- Work with Conservation Easement programs
- FSA or other Government Agency Loan Guarantee Fee Reimbursement
Who Qualifies?
We work with a wide range of borrowers, including:
- First-time land buyers
- Experienced landowners
- Individuals planning future construction
- Buyers interested in conservation or timberland
Down Payment Requirements: Vary by loan type and credit profile. Contact a loan officer to discuss your specific situation.
How to Apply
- Contact a Loan Officer – Get personalized advice and explore your options.
- Submit Your Application – Provide financial details and property information.
- Loan Review & Decision – Our local team evaluates your application.
Frequently Asked Questions
- Can I buy land now and build later?
Yes! Many of our borrowers secure land today and build when the time is right.
- Is there a limit to how much land I can purchase?
No. We finance properties of all sizes with no acreage limitations.
- What if I want to use the land for farming or timber?
We offer specialized loans and expert support for agricultural and timberland use.
- Do you offer government-backed loan programs?
Yes. We work with FSA and other agencies to help you access the best financing options.
Equipment for Landowners
No matter what you plan to do with your land, we can help finance the equipment you need to get the job done, including:
- Pickup trucks
- Utility Vehicles
- Trailers
- Tractors
- Skidloader
- Mowers
- And more!
"Farm Credit was very patient, and very kind, and easy to work with. Anything I needed they were more than willing to help."
Calculate Loan Payments
Find out what your monthly payment will be for your land loan.
Get Started
Contact one of our loan specialists to find out how Farm Credit can help you.