Our offices will be closed on Thu., Nov. 27 and Fri., Nov. 28, in observance of the Thanksgiving holiday.

Land Loans

Unlock the potential of agricultural ground in Wisconsin, Minnesota, and North Dakota with a flexible land loan, designed to best fit your operation.

Purchase Refinance

Why Work With Us for Financing Land

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Tailored to Your Needs

Customized loan terms and repayment schedules to align with your specific operation and cash flow needs.

Ease of Doing Business

Streamlined procedures ensure you get financing whenever and wherever you need it.

Agriculture Focused

Personalized support and financial insights from experienced and highly trained agriculture professionals to help you make informed decisions.

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Power of the Co-op

Being a member has its rewards. Share in the earnings of the association through the patronage program.

How to Apply for a Land Loan

We offer long-term loans used to finance or refinance farmland, pastureland and other ground used for agricultural purposes.

Real estate loans also can be used for land improvements, such as fencing, grain bins and facilities. We have several options for financing land improvements. Your financial officer will help you determine which loan best meets your needs and goals.

Recreational land for such uses as fishing and hunting, as well as rural homes, are financed through Rural 1^st®.

Primarily, financing may be provided for the following eligible borrower categories:

Full-time Farmer or Rancher – Actively engaged in the management of ag land or ag production and their net farm income is greater than their net non-farm income.
Part-time Farmer or Rancher – Materially participates in the management of ag land or ag production, but has a gross farm income less than their net non-farm income.

You can apply online or in-person. We offer a streamlined process that is quick and easy, and you'll be connected with a financial officer who has a deep understanding of real estate loans.

To expedite the application process, please gather this information:

Property details, including location, legal description and number of tillable/pasture acres.
Cash flow intent for property
Means for down payment (cash, equity, etc.)

Your financial officer also will request the following in order to help you complete the application:

Driver’s license
Three years of federal tax returns (1040 and associated schedules, personal and business if applicable)
Financial statement/balance sheet (personal and business if applicable)
Signed authorization for release
Entity or trust documents and Taxpayer Identification Number (TIN) if purchase involves an entity or trust.

Purchase

Refinance