Farm News

Customer Testimonial by Robert Jackson

Testimonial for Farm Plus Financial Farm Loans by Robert Jackson, Owner of Jackson Family Farms and Farm Plus Financial Customer

Finding the right financial lender is extremely important. In the late 1980′s, I operated a third generation dairy on around three hundred acres of land. I got a call one day from my lender at the time, the same lender who had been supplying finance to my family farm for decades, worried that my land prices were depreciating. Having never missed a payment on my loan, I was confused when the lender decided to pull the plug on my operation and demanded that the loan be paid in full immediately.

Long story short, I was forced to sell the family farm to come up with the funds to pay back the loan. After several years working as a city bus driver, I contacted Farm Plus about getting back into the dairy business. They worked with me and were able to approve me for a loan so that I could rebuild my family’s business and continue the tradition. Since my first round of financing with Farm Plus, I’ve been able to grow my heard to 1100 head.

I am Robert Jackson, owner of Jackson Family Farms. Thanks for your support Farm Plus.

For more information about Farm Plus Financial farm loans, contact Farm Plus Financial at 866.929.5585 or start your online farm loan application now.

Recent Customer Testimonials

Welcome to Farm Plus Financial

Whether you are looking to expand your farm operation, purchase new agricultural real estate, refinance for a better rate and term or just seeking capital for daily operating expenses, Farm Plus Financial can help you access the capital you need.

We offer a wide range of agricultural loans created to meet the specific needs of your farming operation. And we always offer the highest quality service and a real understanding of what it takes to manage and grow your farm business.

Farm Plus Financial is a national farm lender providing real estate based loans throughout the United States. Our extensive knowledge in agriculture allows us to lend to all types of farm operations from coast to coast.

You plant the seed, we will help you grow.

Farm Plus Financial – We are farmers helping farmers grow.

To get started call us toll free at 866-929-5585 or start your farm loan application online.

Bio-Solids Used as Agricultural Fertilizer

In a landmark decision in 1992, the Federal Government banned dumping waste-water. Almost immediately rivers, lakes and bays nationwide saw an improvement in the quality and purity of the water. This improvement made many water areas safe again for recreational activities, swimming and fishing. However, with this change came an expensive and...
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Customer Testimonial by Janet Peterson

Customer Testimonial by Janet Peterson, California Farm Investor & Farm Plus Financial Customer

I’m the Director of Property Acquisitions for RFA Investments. We primarily invest in agricultural properties and I oversee the farming operations for 98 hundred acres of orchards and vineyards in California’s Central Valley and about 67 hundred acres of row crops along the west coast.

In our business, a consistent and reliable relationship with a lender is crucial. Having worked with farm lenders who only service a small geographic area within a state, we were constantly getting shifted from one lender to another.

We originally found Farm Plus Financial by searching online for a lender that could finance farm properties across state lines. After calling Farm Plus and discussing our companies’ complex financial situation, it was clear that Farm Plus Financial was going to be a great partner for us.

We first started working with Farm Plus Financial in early 2009 when we were acquiring an 80-acre vineyard right in the heart of Napa’s wine country. Since then, we have refinanced all of our farm properties at lower interest rates with Farm Plus Financial. Now, whenever we look at a new farm investment, we call Mike at Farm Plus.

My name is Janet Peterson and I am proud to recommend Farm Plus Financial.
-Janet Peterson, RFA Investments

For more information on Farm Plus Financial farm loans, contact Farm Plus Financial at 866.929.5585 or start your farm loan application online.

Recent Customer Testimonials

Do you require a certain type of collateral for a farm loan?

Do you require a certain type of collateral for a farm loan?

Farm Plus Financial specializes in farm loans that are secured by agricultural real estate. Contact Farm Plus Financial at 866.929.5585 or visit us online at www.farmloans.com for more information.

What farm loan options do you have available?

What farm loan options do you have available?

Our loan options are designed to provide flexibility to our customers by offering a conversion option, a split loan option, a season loan option and no prepayment penalties.

For more information, contact Farm Plus Financial at 866.929.5585 or visit us online at www.farmloans.com.

Do you provide farm loans for livestock, equipment or farm operations?

Do you provide farm loans for livestock, equipment or farm operations?

Yes, we are able to provide financing for livestock, equipment or other farm operation needs, however, we must use farm land owned by the applicant as collateral for the financing.

For more information, contact Farm Plus Financial at 866.929.5585 or visit us online at http://www.farmloans.com.

I am looking at purchasing a farm property, when should I contact a farm loan representative?

I am looking at purchasing a farm property, when should I contact a farm loan representative?

You should contact a farm loan representative as soon as you begin the farm or agriculture property search process. We will be able to determine if a pre-approval can be issued, and if so, what amount you are pre-qualified for. Submitting a pre-qualification letter along with an offer will strengthen your offer and increases your chances of placing the property under contract.

For more information, contact Farm Plus Financial farm loans at 866.929.5585 or visit us online at http://www.farmloans.com.

Will I qualify for a farm loan based on my credit score?

Will I qualify for a farm loan based on my credit score?

In order to qualify for our farm loans we need a minimum 680 credit score from all borrowers.

To apply for a farm loan, contact Farm Plus Financial at 866.929.5585 or visit us online at http://www.farmloans.com.

I currently have a farm mortgage in place but I need additional financing for operating, can you help?

I currently have a farm mortgage in place but I need additional financing for operating, can you help?

Yes, we are able to offer several solutions including a line of credit with a 10 year draw period and/or a refinance of your current farm mortgage.

Interested in learning more about about a farm operating line of credit? Contact Farm Plus Financial toll-free at 866.929.5585 or visit us online at http://www.farmloans.com.

I have a residential mortgage that traditional banks cannot refinance, can you help?

I have a residential mortgage that traditional banks cannot refinance, can you help?

Yes, most residential lenders are not able to refinance large acreage properties due to new federal regulations; Farm Plus Financial is able to refinance residential mortgages on properties that have an agricultural use.

For more information, contact Farm Plus Financial toll-free at 866-929-5585 or visit us online at http://www.farmloans.com.

What is a loan conversion option?

What is a loan conversion option?

A conversion option is designed to allow our customers to convert from a shorter term (or variable farm loan) to a fixed rate on any chosen payment date. Conversion options allow our customers to easily convert to a longer term loan without having to submit new financials or paying for a new appraisal.

Simply call our office when a conversion may be needed, we’ll quote the market rate at the time of the conversion, and send you the documentation to amend your note. We rarely require new financials, and you will never need a new appraisal. This saves you time and money.

Our farm loan options are designed to provide flexibility to our customers by offering loan options including:

Call your local Farm Plus Financial representative at 866.929.5585 to discuss your farm loan options.

What is a split loan option?

What is a split loan option?

A split loan option permits our customers to split a farm loan into two or three parts. The split loan option allows customers a combination of lower interest expense, like shorter term rates provide, yet security of long term rates. For example, a customer might elect to place half of their farm mortgage on a variable rate loan product and the other half on a longer-term fixed rate option. Using this approach a customer benefits from a lower weighted average interest rate on the total mortgage, but also provides security against rising rates, which creates an interest rate hedge.

Our farm loan options are designed to provide flexibility to our customers by offering loan options including:

Call your local Farm Plus Financial farm loans representative at 866.929.5585 to discuss our farm loan options or start your farm loan application online today.

Are there prepayment penalties on farm loans?

Are there prepayment penalties on farm loans?

There are no prepayment penalties on our loans meaning you have even further flexibility by having the option to pay off or refinance your loan early without financial penalty. A good reason to consider a lender who does not collect a penalty when paying your loan off early is the financial burden you may endure. In some cases, lenders may charge a penalty of more than 10% of your loan balance if you choose to pay early.

For more information on the farm loan options only available through Farm Plus Financial, contact us toll-free at 866.929.5585.

Farm Loan Products Video

Here at Farm Plus Financial, we provide real estate secured farm loans. Our competitively priced farm loans can be used for purchasing agricultural property, expansion for your current operation, refinance for a better rate & term or even to cover operating costs.

We specialize in only farm lending and offer a wide range of loan options to best suit your needs from variable rate farm mortgages, lines of credit secured by agricultural real estate or long term fixed rates with amortizations up to 30 years.

Our farm loans are designed by providing flexibility to our customers by providing loans with no prepayment penalties and numerous options such as a loan conversion option, split loan option, and season loan option.

For more information on Farm Loan Products, contact Farm Plus Financial toll-free at 866.929.5585 or begin your farm loan application online.

How to Apply for a Farm Loan

To start the farm loan application process, call Farm Plus Financial Farm Loans toll-free at 866-929-5585 or fill out the online farm loan application.

How do I begin the application process?

After speaking with a loan representative, you will receive a full application by email or mail. To begin the farm loan application process we need to receive a completed full farm loan application by email, fax or mail and three years of tax returns from all borrowers.

Apply for a Farm Loan online now at http://www.farmloans.com/apply/

Viral Video Contest

Farm Plus Financial is excited to offer a new opportunity to help promote the creativity and energy of America’s youth.

This year Farm Plus Financial is hosting a Viral Video Contest where you have the opportunity to submit a viral video relating to farming and agriculture for a chance to win one of 3 prizes including over $1000 in cash.

We will review all of the viral video submissions and select our favorites based on originality, virality, and overall presentation. Awards will be given to 1st, 2nd and 3rd place winners.

Visit us the Viral Video Contest page for more information.

What is a Season Loan Option?

What is a Season Loan Option?

A season loan option is available to customers with farm loans that have been with us for 5 years or more with good payment history. Farm Plus Financial can provide a rate and term refinance of the current note with no appraisal and little to no credit requirements.

Our farm loan options are designed to provide flexibility to our customers by offering loan options including:

Contact Farm Plus Financial toll-free at 866.929.5585 or start your farm loan application online.

Agriculture Scholarships

Agriculture Scholarships from Farm Plus Financial

Farm Plus Financial is dedicated to helping grow the next generation of farmers through support of the young agricultural community. Each year, Farm Plus Financial will award agriculture scholarships to outstanding students majoring in an Agriculture-related field. The applicants will be selected based on academic record, leadership qualities and community involvement.

The Farm Plus Financial National Leader and Academic Scholarship will be awarded to graduating high school seniors and current undergraduate students across the nation that are enrolled in an agriculture-related degree program. Scholarships seek to identify young leaders in the agriculture and food industry. Scholarship recipients will be selected on the basis of career vision and goal, leader and community involvement, and financial need.

For more information on how to apply for an agriculture scholarship through Farm Plus Financial or for additional agriculture scholarship opportunities, visit our agriculture scholarships page.

“California Grown” Campaign Links Specialty Crops to Daily Life

According to research by the Buy California Marketing Agreement (BCMA), California's specialty crops yield $15.9 billion annually. The research is part of the new "California Grown" campaign. "The research clearly indicates that California's specialty crops touch every aspect of California life and positively impact the economic vitality of our state," Maile Shanahan Geis, BCMA Executive...
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Do you have a minimum loan amount?

Do you have a minimum loan amount on your farm loans?

Farm Plus Financial works primarily with established farmers and farm investors looking to purchase, refinance or expand their current farm operation. We provide farm loans from $400,000 to $22,000,000. If you are a beginning farmer looking for financing under $250,000, we recommend that you contact the Farm Service Agency. We do require agricultural property as collateral for your farm loan.

For more information on our farm loans, contact Farm Plus Financial at 866.929.5585 or start your farm loan application online.

Special Thank You to All of the Farmers

As a farmer, you invest hard work and a commitment to every acre, every crop, day in and day out. As a farmer, you are the backbone of the US economy. Agriculture is the foundation of everything we do on this planet. Your products impact every major industry, not only in this country but across the globe. You grow the food and nourishment that drives this nation, puts clothes on our backs, provides medical care to those in need and the building materials to create schools, hospitals, and the roofs over our heads. As a farmer, you believe in this nation, in this world, and providing for this planet for generations to come. As a farmer, we believe in you.

We are Farm Plus Financial and we want to say thank you for everything you do.