United Bank & Trust

Ag Land & Real Estate Loans

Sunrise over a healthy Iowa cornfield with rows of growing crops stretching toward the horizon.

Financing built for the future of your operation 

Land decisions are some of the most important investments you’ll make for your operation. Whether you’re purchasing additional acres, refinancing farmland, or planning for a future transition, the right financing can help support both your current needs and your long-term goals.

We take the time to understand your operation and help structure financing that fits your plans for growth, ownership, and long-term success.

Contact an Ag Lender


How it works

Ag land and real estate loans are designed to help finance the purchase or refinance of agricultural property.

Because farmland is a long-term investment, these loans typically offer extended repayment terms with structures tailored to your financial position and operational goals. Financing is designed to align with how the property will be used and how it supports your operation over time.


When it makes sense

A land or real estate loan may be the right fit when:

  • Buying additional farmland
  • Growing and optimizing your acreage 
  • Preparing for ownership success within your family or operation

These are major financial decisions, and having the right lending partner can help you move forward with clarity and confidence.


Built around your operation

No two operations, or pieces of land are exactly alike.

Our lenders consider factors like land value, your financial position, cash flow, and future plans to help structure financing that supports your operation both today and in the future.

You’ll work directly with local agricultural lenders who understand the long-term impact land decisions can have on growth, succession planning, and operational stability.


Additional support for your operation 

We also work alongside trusted partners to offer additional financing solutions:

  • Beginning Farmer Loans: We’ll help connect you with a Farm Service Agency (FSA) office to access programs designed to support new and beginning farmers. 
  • FSA Loan: We’ll help you partner with your local FSA office to learn about the programs they offer.

Talk through your next step and find what fits your operation

Whether you’re purchasing land, planning for transition, or exploring financing options, we’re here to help you make informed decisions with confidence.

Let’s discuss your operation and find a solution that supports your long-term goals.

Contact Us 

Meet our Ag Lenders

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