LogoACREAGE
Wire fence stretching into rolling golden-hour pasture with amber light catching native grass tops and distant treeline
Farm & Ranch Mortgage Brokerage

Your land.Your legacy.The right loan.

We match working landowners — ranchers, first-time buyers, hobby farmers — with lenders who understand dirt. The kind of financing where the collateral has fencelines, water rights, and a calving season.

Talk to a Land Lender
$2.4B+Land Loans Funded
140+Lender Partners
38States Covered
4.9★Borrower Rating
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Aerial view of irrigated cropland and rangeland in golden afternoon light with visible fence lines and water channels
Fig. 01 — Irrigated Ground

Eastern Colorado, 480 acres

02 — Land Calculator

See your numbers
before you call.

Drag the sliders. Pick your land type. Get a real estimate — no email required.

320 ac
40 ac5,000 ac
$2,800
$500$15,000
30%
10%50%
Land Value$896K
Loan Amount$627K
Est. Rate6.75%
Est. Monthly Payment$4,769/mo

Estimates only. Actual rates depend on credit, LTV, and lender. Lock your rate with a quote.

03 — Loan Types

Built for how land actually works.

Every loan type below maps to a real scenario. Scroll deeper to find yours.

Rolling hills of raw undeveloped land at golden hour with fence posts in foreground and expansive sky
Fig. 02 — Raw Acquisition

Flint Hills, Kansas

Cattle grazing on vast ranch land at sunset with red barn silhouette and windmill against orange sky
Fig. 03 — Ranch Refinance

Palo Duro, Texas

Tractor plowing rich dark farmland in early morning light with straight furrows stretching to horizon
Fig. 04 — Operating Credit

Corn Belt, Iowa

Small farmstead with white house, vegetable garden, and pasture fence in lush green countryside
Fig. 05 — Hobby Farm

Willamette Valley, Oregon

First deed. First fence.

Financing for buyers piecing together acreage from retiring neighbors — or bidding at the county auction.

Typical LTVUp to 70%
Min. Acreage40 acres
Term Options10–25 yr
Typical Rate6.9–7.5%
  • No improvements required — raw dirt qualifies
  • Seller-financed bridge options available
  • Water rights and mineral rights evaluated separately
  • County road access required for most programs
04 — From the Field

Loans that closed.
Land that got signed.

$2.4B+Funded
8,400+Borrowers
140+Lenders
"We'd been with the same ag lender for 22 years. Acreage found us a rate 80 basis points lower and got us closed before the spring planting window. That's real money when you're running 4,000 acres."
$1.2M in savings over term
Weathered rancher in his 60s with hat, outdoor natural light portrait
Dale WhitmoreWheat & cattle, Pratt County, KS — 4,200 acres refinanced
"My dad always said buy land, they ain't making more of it. Acreage helped me piece together 160 acres from three different sellers. They understood the water rights situation when no conventional lender would touch it."
Closed in 38 days
Young woman rancher with confident expression in outdoor setting
Brianna VasquezFirst-time buyer, Mora County, NM — 162 acres, mixed-use
"We sold our house in Austin and needed the equity to count. Every bank told us the orchard was 'agricultural risk.' Acreage found a lender who'd done 40 similar deals. We're farming now."
Suburban equity converted
Middle-aged couple smiling outdoors on farmland
Marcus & Leigh OkaforHobby farm buyers, Hays County, TX — 47 acres, orchard/pasture

Our Lender Network Includes

Farm CreditAgAmericaRabo AgriFinanceCompeer FinancialAmerican AgCreditCapital Farm Credit
05 — Ready to Apply

The right loan for land
worth signing your name to.

You've seen the numbers. You know your scenario. The next step is a 15-minute conversation with a lender who's closed deals exactly like yours — in your state, on your type of ground.

Talk to a Land Lender Today
No obligationSame-day responseNMLS licensed brokers

Ready to see what your land qualifies for?

Call