Whether you're buying your first piece of land, expanding your acreage, or investing in property for future use, Central Texas Farm Credit offers land loans that are tailored to meet the needs of rural landowners. With deep roots in Central Texas and decades of ag lending experience, we’re here to help you grow.
WHY CHOOSE US FOR YOUR FARM AND RANCH LAND LOANS?
Land Lending Experts
We specialize in land loans—not just as lenders, but as partners who understand the land, the lifestyle, and the long-term value of rural property. Our team brings local insight and industry knowledge to every loan we make.
Flexible Loan Options
Our land loan programs are designed to support a wide range of needs:
- Land purchases for farming, ranching, or investment
- Competitive interest rates and flexible terms
- Refinancing of existing loans
- No prepayment penalties
Whether you're buying 10 acres or 1,000, we’ll help you find the right solution for your goals.
Local Service, Cooperative Values
As a borrower-owned cooperative, we prioritize relationships over profits. Our loan officers live and work in the same communities you do, offering responsive service and personalized support throughout the life of your loan
Patronage Program: A Financial Advantage for Landowners
When you borrow from Central Texas Farm Credit, you become a member of our cooperative. Through our patronage program, we return a portion of our earnings to eligible borrowers each year. These cash-back distributions can significantly reduce your effective interest rate and total cost of borrowing—making your land loan even more affordable.
MORE THAN FARM AND RANCH LAND LOANS
We offer a full suite of rural financing solutions to support your lifestyle and livelihood:
- Recreational Property Loans
- Country Home Loans
- Lines of Credit
- Equipment and Livestock Loans
- Agribusiness Financing
Whether you're building a home, buying land, or expanding your ag operation, Central Texas Farm Credit is here to help with financing that fits your future.
Young, Beginning, and Small Farmer Program
At Central Texas Farm Credit, we’re committed to supporting the next generation of agricultural producers. Our Young, Beginning, and Small Farmer Program is designed to provide flexible financing options, personalized guidance, and educational resources to help new and small-scale farmers establish and grow their operations. Whether you're just starting out or expanding a modest farm, we’re here to help you build a strong foundation for long-term success.
Ready to grow your operation?
Let’s help you finance your farm or ranch with confidence.
