Specialized Mortgage Program

Financing solutions for commercial agricultural properties that generate income, tailored to the specific operational needs of the borrower.

Underwriting at a glance

Minimum FICO
-
Max LTV (purchase / rate-term)
-
Max LTV (cash-out)
-
Loan amount
-
Documentation
-
States
most states

Highlights

  • Evaluates cash flow and operating history
  • Customized loan structures for agricultural operations
  • Focus on income generation and operational function

Want to see if you qualify?

Tell us about your scenario - we'll come back with current pricing and exact guidelines.

Program guidelines and rates can change at any time without notice. Last confirmed 5/10/2026. Not a commitment to lend.

Today's mortgage rates

Conventional

6.250%

6.288% APR

FHA

5.750%

5.780% APR

VA

5.750%

5.780% APR

Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.

Have a term sheet or loan estimate?

Upload a competing offer. We'll show you what we can save you.

Backed by a $2,000 Best Price Guarantee. Terms

Not ready to apply?

No pressure. Reach out with your scenario and we'll get back to you with a same-day response.

Jennifer Kirby

Rate Direct is run by Jennifer Kirby. Every loan is originated personally through Loan Factory Inc. Every email, text, and call comes from us directly, and we never sell your information.

NMLS# 2672337 Loan Factory Inc., NMLS# 320841

jennifer@ratedirect.netjennifer.kirby@loanfactory.com

Backed by Loan Factory's $2,000 Best Price Guarantee

Find a lower rate elsewhere? We'll beat it or pay you $2,000. Send your competing Loan Estimate and we'll return a side-by-side comparison the same day.

Specialized Mortgage Program | Rate Direct