Texas Land and Farm Loans

Land ownership in Texas is more than an investment, it’s a legacy. And we’re here to help you claim your piece of it.

Texas Land and Farm Loans Tailored for You

Have you always dreamed of owning land in Texas? Whether it’s vast acreage for ranching, fertile ground for farming, a peaceful rural retreat, or recreational property for hunting and weekend getaways, Texas offers unparalleled opportunities to claim your piece of the Lone Star State. At The Texas Mortgage Pros, we understand the unique aspirations that come with land and farm ownership, and we’re here to help you turn that dream into a reality.

You have a vision for your Texas land, and we have the financing expertise to help you acquire it. Land and farm loans are distinct from traditional home mortgages, designed specifically to address the unique aspects of purchasing undeveloped or agricultural property. We know that navigating these options and their specific features can feel complex, but you don’t have to do it alone.

What is a Land Loan in Texas?

A Texas land loan allows you to finance the purchase of raw or unimproved land for residential, agricultural, recreational, or commercial use. Unlike a traditional mortgage for an existing home, a land loan gives you the flexibility to buy property now and decide how to use it later, whether for building, farming, or simply holding it as an investment.

Why Work With The Texas Mortgage Pros for Land Loans?

Securing a land or farm loan in Texas involves understanding these specific features. This is where The Texas Mortgage Pros becomes your invaluable partner. As experienced mortgage professionals specializing in Texas properties, we:

  • Offer Diverse Solutions: As a broker, we have access to a range of lenders who specialize in land and farm financing, allowing us to find options that might not be available everywhere and helping you understand the nuances of each.
  • Provide Expert Guidance: We understand the intricacies of land and farm loans in Texas. We’ll explain the process clearly, help you understand the specific requirements for different loan types, and guide you toward the financing that aligns with your goals for the property.
  • Simplify the Process: We work to make the financing journey as smooth as possible for you, handling the complexities of understanding these features and requirements so you can focus on the excitement of acquiring your Texas property.

With decades of experience across Texas’ diverse rural markets, we’re your partner in navigating the unique challenges of land ownership. From raw land to improved properties, our financing options adapt to your needs, helping you secure your piece of Texas with confidence.

Start Your Land Loan Journey Today

If you’re ready to explore your options for purchasing land in Texas, don’t go it alone. Let The Texas Mortgage Pros help you navigate the process with ease and confidence. Call us at (877) 280-4833 or Apply Online to get started.

Your land. Your legacy. Your loan, done right!

The Texas Mortgage Pros

Your trusted partner for farm and land lenders in Texas.

Types of Land Loans We Offer

We work closely with buyers to match the right loan product with their land use goals. Here are the main types of Texas land loans available:

Residential Homesite Loans

Purchase or refinance farmland for crops, livestock, or other agricultural uses.

Buy land in rural or semi-rural areas to build your primary residence.

  • Works well for modular, manufactured, or custom homes;
  • Combine with a construction loan for one-time close financing;
  • Often includes access to public roads and utilities..

Recreational & Ranch Land Loans

Acquire land for hunting, fishing, horseback riding, or just enjoying the outdoors.

  • Perfect for personal enjoyment or income-generating activities;
  • Large acreage allowed with no strict development requirement;
  • Can be combined with conservation or wildlife management goals.

Agricultural & Farm Loans

Finance land for ranching, farming, or agricultural production.

  • Support for cattle operations, crops, orchards, and more;
  • May include FSA or USDA program eligibility;
  • Designed for working landowners and agribusiness.

Improved Land Loans

Covers land with access to utilities (electricity, water, or sewage) or some form of development.

  • Easier to finance than raw land;
  • Lower risk due to existing infrastructure;
  • Suitable for future residential or agricultural use.

Raw Land Loans

Perfect for untouched, undeveloped land with no existing utilities, roads, or structures. Ideal for long-term investment or future development.

  • Typically require a larger down payment (15–25%);
  • Flexible terms based on your long-term goals;
  • Best for buyers with a clear plan and strong credit.

Diverse Land Loan Options in Texas

We offer a variety of land loan options to meet the diverse needs of our borrowers:

Farmland Loans

Purchase or refinance farmland for crops, livestock, or other agricultural uses.

Ranch Loans

Secure financing for your dream ranch, including land for grazing, horses, or recreational activities.

Rural Homesite Loans

Build your dream home in the countryside with our flexible homesite loans.

Raw Land Loans

Acquire undeveloped acreage for future use or investment purposes.

Partner with Experienced Land Lenders in Texas

Navigating the world of land financing can be complex. With The Texas Mortgage Pros as your broker partner, you gain access to experienced land lenders in Texas who are dedicated to your success. We’ll provide expert guidance, answer your questions, and help you every step of the way.

Key Features of Texas Land and Farm Loans

Understanding the typical features of land and farm financing is your first step. While options vary depending on the lender and the specific loan program, here are some common characteristics you’ll encounter, and how we can help you navigate them:
  • Down Payment Requirements: Be prepared for a typically larger down payment compared to a residential home loan, often starting at 20% or more. The exact percentage can depend on factors like the type of land (raw vs. improved), the loan size, and your credit profile. A larger down payment can often lead to more favorable loan terms.
  • Loan-to-Value (LTV) Ratios: Reflecting the higher risk associated with undeveloped land, the amount a lender will finance (the LTV) is generally lower than for a standard home. This is why a higher down payment is usually needed.
  • Loan Terms & Interest Rates: Loan terms for land and farm loans can vary widely, often ranging from 5 to 20 years, though longer terms are sometimes available. Interest rates are typically higher than those for primary residence mortgages due to the nature of the collateral. We can help you compare options for fixed or adjustable rates to find the best fit for your long-term plans.
  • Property Types Covered: These loans are versatile, designed for everything from raw land with no utilities to unimproved land with some infrastructure, and improved land ready for building. They also cater to recreational properties, farms, and ranches, each with potentially different loan structures.
  • Acreage Considerations: Some lenders may have minimum or maximum acreage requirements. Don’t worry if your desired property falls outside a standard range; as your broker, we can search for lenders with more flexible guidelines.
  • Financing Beyond Purchase: Depending on the loan, you may be able to include costs for essential land improvements like fencing, clearing, or installing a well or septic system, right into the financing.
  • Underwriting Focus: Lenders will look closely at the property’s characteristics, including access, zoning regulations, environmental factors, and potential uses, in addition to your financial standing. We help you prepare and present your plans effectively.
  • Pathway to Building: A land loan can be a strategic first step if you plan to build later. We can discuss options for financing the land now and potentially rolling it into a construction loan when you’re ready to build your home.

Still have questions?

We’re here to help! Our team of experienced land lenders in Texas is ready to answer your questions and guide you through the financing process.

Pre-Qualify

Get Pre-Qualified Now

Ready to take the next step toward land and farm ownership? Get prequalified in just a few minutes. Find out how much you can invest in your future.

Discover your qualification amount in 10 minutes or less with our easy, online pre-qualification process.

Get an instant estimate of how much you can qualify for, streamlining your land-buying journey.

Partner with our experienced, local loan experts who are dedicated to providing personalized and knowledgeable support.

Count on us to guide you smoothly through the process, ensuring your loan closes on time, every time.

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A couple walking hand-in-hand on their farm, representing the dream of land ownership supported by land lenders in Texas.

Land Loan Calculator: Estimate Your Monthly Payments

Planning your land purchase? Our easy-to-use land loan calculator can help you estimate your monthly payments based on your loan amount, interest rate, and loan term. This tool empowers you to make informed decisions and explore different financing scenarios.