Secure the Land Before It's Gone.
Raw land loans for agricultural buyers who want to lock in ground, build equity, and plan their next move — without being rushed into an operation you're not ready to start.
$500K – $10M+
Loan Range
30–40%
Min. Down Payment
Agricultural & Rural
Zoning
Short or Long Term
Hold Period
Overview
Agricultural Land You Can Hold, Develop, or Farm
Raw land is the hardest asset class to finance — and the most misunderstood. Most banks either won't touch it or require such large down payments that the economics fall apart. We approach raw agricultural land differently: we evaluate the land's productive potential, comparable sales in the agricultural market, and your long-term plan — not just the absence of a building.
Our raw land loans serve buyers who are acquiring land for future farming, land banking, conservation, or development — and who need a patient lender willing to underwrite based on the land's intrinsic and productive value. Oregon and California both have exceptional land markets that reward buyers who move early and hold intelligently.
Who This Is For
Key Features
What Makes This Program Work
Agricultural Zoning Only
We finance land zoned EFU (Exclusive Farm Use), AG, RR, and similar rural/agricultural designations in Oregon and California.
Land Banking Strategy
Long-term land holds with refinance options as the operation develops — we structure loans for buyers thinking in decades, not quarters.
Future Development Path
Loans structured with room to refinance into a farm purchase or construction loan once infrastructure, irrigation, or planning is in place.
Comparable Sales Analysis
We use MAI-certified appraisers with rural land expertise to establish accurate value based on actual agricultural land transactions.
1031 Exchange Compatible
Raw agricultural land qualifies as like-kind property in a 1031 exchange from other investment real estate — we handle these routinely.
Oregon & California Expertise
We understand EFU zoning restrictions, Measure 49 limitations in Oregon, Williamson Act properties in California, and how those affect both value and lending.
Requirements
General Qualifications
Get in Touch
Ready to chat with one of our Ag specialists?
Schedule a consultation by calling us directly or completing the contact form — we'll get back to you within one business day to review your operation, walk through your options, and identify every program you qualify for. No cost, no obligation.
Call Us
503-966-9255
Mon – Fri, 8 am – 6 pm PT
Licensed in Oregon & California · NMLS #1498678 · Agricultural Lending Division
Send Us a Message
We'll get back to you within one business day
Related Programs
Farm Purchase Loans
Once your land is ready for active farming operations, transition to our long-term farm purchase financing.
Ranch & Timberland Loans
Undeveloped timberland or future grazing land may qualify under our ranch and timberland programs.
Raw Land Payment Calculator
Estimate monthly carrying costs on raw and bare-land purchases under typical ag amortization terms.
FAQ
Common Questions
From the Blog
Further Reading
AgriculturalAgricultural Loans: Financing Farm & Ranch Property in Oregon
Financing agricultural land is fundamentally different from a standard home purchase. Here's what Oregon farmers, ranchers, and rural property buyers need to know.
AgriculturalAg Equity Lines of Credit: Unlocking Farm and Ranch Equity Without Selling an Acre
An Agricultural Equity Line of Credit gives farmers and ranchers revolving access to up to $10 million in land equity — with no annual maintenance fee, no minimum usage requirement, and interest-only semi-annual payments during a 5 or 10 year draw period. Here's how it works and what you can do with it.
What Our Clients Say
Five-Star Reviews from Real Borrowers
All reviews verified on Google
Your Land. Your Terms.
Let's Build the Right Loan.
Our ag loan specialists will review your scenario, walk you through every option, and structure financing around how your operation actually works — with full transparency from first call to close.