Agricultural Loans

At United Financial Group, we recognize the vital role agriculture plays in sustaining communities and driving the economy. That’s why we provide Agricultural Loans designed to support farmers, ranchers, and agricultural businesses of all sizes. Whether you need financing to purchase land, upgrade equipment, expand your operations, or cover seasonal expenses, our agricultural loans are built with flexibility and competitive rates to match the unique cycles of farming. Why Choose Our Agricultural Loans?

Agricultural, Ranch, and Farm Loans

United Financial Group has agriculture real estate loan products to fit your individual needs with competitive interest rates and flexible repayment terms on both adjustable and fixed-rate mortgages.

Agricultural & Farm Loans are for

  • Farms
  • Ranches
  • Dairies
  • Orchards
  • Vineyards
  • Coffee Plantations
  • Groves
  • Citrus
  • Large Equestrian Operations
  • Hobby Farms
  • Other Specialty Agricultural Operations

Features

  • Adjustable rates: 1 month – 15 year
  • Fixed rates: 10 – 30 years
  • Amortization: Up to 30 years
  • Payment frequency: Monthly, semiannual or annual
  • Prepayment: No prepayment penalty on most loans
  • Conversion: Many products allow convertibility during the term

Agricultural & Farm Loan Programs

United Financial Group has options to fit your individual needs with a variety of flexible loan programs and loan application processes. Our staff will work with you to find the best loan program that fits your needs.

Fully Underwritten Loans

United Financial Group offers fully underwritten loan programs using a more conventional loan application and documentation process.

Key Loan Qualifications:
  • Loan-to-value: Up to 90% max
  • Loan amount: $100,000,000 max
  • Credit score: Minimum 600
  • Debt-to-asset ratio: 50% max
  • Current debt-to-asset ratio: 1.25:1 min
  • Debt coverage ratio: 1.25:1 min

Fast-Track Loans

A streamlined application process that provides loan approval with minimum documentation.

Key Loan Qualifications:
  • Loan-to-value: 55% max
  • Loan amount: $3,000,000 max
  • Credit score: Minimum 720
  • Debt-to-asset ratio: 40% max
  • Current debt-to-asset ratio: 1:1 min
  • Debt coverage ratio: 1:1 min

Hobby Farm / Lifestyle Ranch Loan

An alternative loan product for individuals financing a minimum of 60 acres for recreational or hobby farm use.

Eligible Loan Qualifications:
  • Maximum loan size: $3,000,000
  • Loan-to-value: Up to 70% (60% in select states)
  • Debt-to-asset ratio: 55%
  • Current debt-to-asset ratio: 1:1
  • Minimum annual debt obligations: 39%
  • Credit score: Minimum 700
  • Purpose: Purchase or refinance (no cash-out)
  • Improvements: Must not exceed 25% of total value

Our Core Features!

Why Choose Our Company

At United Financial Group, we do more than provide loans—we build trust, deliver value, and empower our customers to reach their goals. Choosing us means working with a partner that puts your needs first.

No prepayment or hidden fees

Transparency is at the heart of everything we do. We believe you should always know exactly what you’re paying for, without surprises. That’s why our loan services come with no hidden fees—ever.

Direct Funds & Quick Loan approvals

we know that when you need a loan, every minute counts. That’s why we’ve designed our process to deliver quick loan approvals—helping you access funds without unnecessary delays.

Lots of Financial Options

At our company, we believe every customer’s financial journey is unique. That’s why we provide a wide range of loan products designed to fit different needs and lifestyles.

Payment Calculator

How It Works

Get Your Loan in 3 Easy Steps

Select amount and terms (Calculate your Loan)
Enter your personal information-(Apply for Loan)
Get Loan Approved in 48 hours
Important questions

Frequently Questions

How quickly can I get approved for a loan?

We offer quick loan approvals, often within the same day, depending on the type of loan and the information you provide.

Do you charge any hidden fees?

No. We are committed to transparency, and there are absolutely no hidden fees. All costs are disclosed upfront before you sign your agreement.

What types of loans do you offer??

We provide a wide range of financial solutions, including personal loans, business loans, mortgages, and multi-family loans. This ensures you’ll find an option tailored to your needs.

How are repayments structured?

Repayments are designed to be flexible and convenient, with terms that suit your financial situation. Our payment calculator lets you preview repayment schedules before applying.

How do I receive the loan funds?

Once approved, funds are sent via direct payment to your bank account, so you can access them quickly without delays.

What Clients Say

Clients Testimonials

I needed quick financing to expand my shop, and this company delivered beyond my expectations. The approval process was fast, and the funds were in my account in no time. Their transparency and professionalism gave me confidence every step of the way.

Hillay M.

– Business Owner

Getting a mortgage felt overwhelming at first, but this team made it simple. They explained every detail, offered flexible repayment options, and truly cared about helping me secure my dream home. I couldn’t have asked for a better experience.

James A.

– Home Buyer

What I love most is the honesty—no hidden fees and no surprises. Everything was clear from the start. I felt supported throughout the process and now recommend them to friends and family whenever they need financial assistance.

Linda K.

– Parent & Teacher