Land Loans

Land Loans

With a wide range of products and competitive interest rates, our land loans offer the flexibility you need. 

Finance ranches, farms, or other raw land and agricultural acreages with attractive long-term, fixed interest rates and cash-back dividends. When interest rates or circumstances change, you can convert existing loans to a lower rate with our interest rate conversion option.

Everyone dreams of having their own place to call home with plenty of room for the whole family. Let us help you make that dream a reality. There is a place for you out there, and we can finance it!

Examples of Land Loans

  • Farm and Ranches
  • Recreational Property
  • Investment Property
  • Rural Developments
  • Raw Land

Land loans can also be used for improvements and construction on existing property, including:

  • Barndominium Construction
  • Land Clearing
  • Building New Fences and Infrastructure
  • Adding or Renovating Water Tanks
  • Adding or Improving Irrigation Systems
  • Septic Installation

 

Quick Links

 

Rural Real Estate Loans 

As an experienced land lender, financing rural property has always been a specialty of ours. If you’re looking for a land bank that genuinely understands what it means to love the outdoors and the rural way of life, you’re in good hands with Heritage Land Bank.

Rural Real Estate is our Business

The ultimate Texas dream is landownership, but sometimes the market presents challenges to making that dream a reality. That’s where we come in. Heritage Land Bank isn’t like other banks because we specialize in rural land loans and agriculture-based real estate to help generation upon generation finance their own Texas dream, no matter the challenges.

Now it’s our turn to help you purchase your future farmland, ranch, agribusiness location, rural homesite, or raw acreage with our offering of flexible land loan products.

Land Loans That Work For You

Wide open spaces are our specialty and we’re here to help you buy a wide open space of your own. Are you expanding your row crop venture, building a home, or simply leaving your options open? We have competitively priced loan products with borrower features that work for you!

  • Fixed and variable rate options
  • Flexible terms and workable repayment options
  • Accommodating to usage purpose
  • No maximum acreage limitations
  • Applicable experience with FSA, USDA, and Conservation Easement land programs
  • Refinancing options available
  • Co-op membership patronage benefits (cash-back dividends)

Ranch/Recreational Land Loans 

With land loans that adapt to your usage, Heritage Land Bank can finance your hunting land, weekend ranch, waterfront property, and multipurpose acreage for a variety of other recreational uses.

Rural Recreational Land

Invest in and enjoy a piece of land to call your own when you finance with Heritage Land Bank! We offer land loans that adapt to your usage. Whether you intend to establish your own hunting ranch, enjoy time on waterfront property, or escape to your own family cabin or ranch over a long weekend, let our lending experts put together a loan package that fits your life.

Tailored Ranch and Recreational Land Loans

Texas landscapes offer so many possibilities and Heritage Land Bank is here to help you take advantage of every hunting, ranching, waterfront, and home-away-from-home opportunity! We have competitively priced recreational loan products with borrower features that work for you!

  • Fixed and variable rate options
  • Flexible terms and workable repayment options
  • Accommodating to usage purpose
  • No maximum acreage limitations
  • Applicable experience with Conservation Easement land programs
  • Refinancing options available
  • Co-op membership patronage benefits (cash-back dividends)

Land Refinancing 

Reducing your land loan payment by refinancing with Heritage Land Bank can greatly increase your working capital. We offer the flexibility and rural real estate know-how to ease the refinance process.

Refinancing Your Land Loan

You’re likely considering refinancing your land loan because it could result in lower payments, shorter payback, or making the most out of a period of lower interest rates. Choosing to refinance the purchase of your rural acreage may seem intimidating, but our lending experts at Heritage Land Bank understand the sometimes complex details rural financing can present. After years of providing generations of Texans with loans to empower their land and ag operations, you can say it comes with the territory!

Benefits Of Refinancing With Heritage Land Bank

Choosing to refinance isn’t a simple decision, so that’s why we make the process as clear and adaptable to your needs as possible. We have competitively priced refinancing for your land loans with borrower features that work for you.

  • Fixed and variable rate options
  • Flexible terms and repayment options
  • No maximum acreage limitations
  • Co-op membership patronage benefits (cash-back dividends)

Land Improvement Capital 

With our expertise in rural lending, we can anticipate the types of improvements rural property owners will need to implement. Texas Farm Credit’s land improvement capital loans are packaged to finance all types of improvement capital needed—from land clearing to structure building.

Finance Your Land Improvement Projects

As a landowner in Texas, we know there’s always work to be done on your property. From clearing land to adding a pond or watering hole, and even building a greenhouse or farm building. After getting to know you, your operations, and your needs, our lenders structure a loan package that goes hand in hand with your improvement plans. Let Texas Farm Credit make it possible for you to dig that well, build that bridge, fence in that land, construct that barn, or improve your land in any other number of ways

Improvement Capital Lending That Works For You

We have competitively priced lending for property improvement with borrower features that work for you!

  • Fixed and variable rate options
  • Flexible terms and workable repayment options
  • Accommodating to usage purpose
  • No maximum acreage limitations
  • Applicable experience with FSA, USDA, and Conservation Easement land programs
  • Co-op membership patronage benefits (cash-back dividends)