©2025 Homeowners Financial Group USA, LLC | NMLS #93718 | Equal Housing Lender | nmlsconsumeraccess.org | homeownersfg.com/licensing
This is not a commitment to engage in a loan transaction. All loan products and loan amounts may not be available in your area and are subject to credit and property approval pursuant to agency and investor guidelines. Information, rates and programs are subject to change without prior notice. Some products may not be offered directly by Homeowners Financial Group USA, LLC (HFG) but are offered through a lender with whom HFG has a business relationship. Other restrictions and limitations may apply. Copyright ©Homeowners Financial Group USA, LLC. All rights reserved.
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Flexible financing options for purchasing land in rural areas or preparing for future home construction.
Discover Rural + Lot Loan Options
Flexible financing options for purchasing land in rural areas or preparing for future home construction.
Licensed Mortgage Professional
NMLS#1071550
Licensed Mortgage Professional
NMLS#1071550
©2025 Homeowners Financial Group USA, LLC
NMLS #93718 | Equal Housing Lender nmlsconsumeraccess.org | homeownersfg.com/licensing
This is not a commitment to engage in a loan transaction. All loan products and loan amounts may not be available in your area and are subject to credit and property approval pursuant to agency and investor guidelines. Information, rates and programs are subject to change without prior notice. Some products may not be offered directly by Homeowners Financial Group USA, LLC (HFG) but are offered through a lender with whom HFG has a business relationship. Other restrictions and limitations may apply. Copyright ©Homeowners Financial Group USA, LLC. All rights reserved.
& Land Loans
Single Family Residences (SFR), Primary Residences, and Second Homes.
Purchase, Refinance, Cash out- (must be for consumer purpose documentation may be required), Construction Take-out (permanent financing following construction)
15 or 30 years fixed, fully amortized Income Generation: Property must be currently or have the capability of generating sustained agricultural or livestock income of at least $500 per year.
No acreage limit.
Double wide manufactured home allowed and more than 3 homes on a property allowed (cannot be commercial/investment)
Minimum credit score of 680 for all borrowers.
Maximum LTV of 85% / CLTV (Combined Loan-to-Value) of up to 90% depending on loan size.
3 million total loan amount with secondary financing.
A Hobby Farm is a property with a home that currently generates, or has the potential to generate, at least $500 annually through farming, livestock, or other agricultural activities.
Recreational Land Loans
Eligible Property Types:
Rec Land with some AG allowed - Ancillary Improvements and structures used as a dwelling are acceptable and subject to review.
Acreage Consideration:
Min 20 Acres required. No acreage limit
Available Transactions:
Purchase and Refinance
Terms Available:
10-30 years fixed, fully amortized
Credit Score Requirement:
Minimum credit score of 680 for all borrowers.
Loan-to-Value (LTV) Ratio:
Maximum LTV of 85% depending on loan size up to 2 million.
Loan amounts over 2 million:
Approved oncase-by-case scenario.
Lot / Land
Widely preferred by clients, caters to those seeking to acquire non-recreational lots or land. With 65% (LTV) ratio and extended loan terms, this option stands out. Additionally, we offer flexibility in income documentation, allowing for alternate forms of verification.
Is more for those traditional lots with an 80% LTV ratio and 10-year term. For those with larger aspirations, options 3-5 provide higher loan limits. However, these come with varying LTV ratios ranging from 50% to 75% and loan terms spanning 1-5 years, contingent upon individual scenarios.
Additional Land Loan Options:
-
Commercial and Agricultural-heavy properties also eligible under separate programs.
-
Loans up to $3M available, with lower LTVs but flexible financing structures
Rural Properties
with Hobby Farm Potential
Eligible Property Types:
Single Family Residences (SFR), Primary Residences, and Second Homes.
Available Transactions:
Purchase, Refinance, and Cash Out.
Homes with acreage up to 160 acres are considered, with larger acreages potentially eligible.
Dwelling Allowance:
Up to 3 dwellings allowed on the property.
Credit Score Requirement:
Minimum credit score of 680 for all borrowers.
Loan-to-Value (LTV) Ratio:
Maximum LTV of 80% / CLTV of up to 90% depending on loan size up to 2 million. Loan amounts over 2 million and LTV% approved on case-by-case scenario.
Lot/Land
Eligible Property Types:
Residential, Agricultural, or Commercial.
Max Loan To Value Based On Property Type:
50%-75%.
Credit Score Requirement:
- Eligible Property Types: Single Family Residences (SFR), Primary Residences, and Second Homes
- Available Transactions: Purchase, Refinance, Cash out- (must be for consumer purpose documentation may be required), Construction Take-out (permanent financing following construction)
- Terms Available: 15 or 30 years fixed, fully amortized Income Generation: Property must be currently or have the capability of generating sustained agricultural or livestock income of at least $500 per year.
- Acreage Consideration: No acreage limit.
- Dwelling Allowance: Double wide manufactured home allowed and more than 3 homes on a property allowed (cannot be commercial/investment)
- Credit Score Requirement: Minimum credit score of 680 for all borrowers
- Loan-to-Value (LTV) Ratio: Maximum LTV of 85% / CLTV (Combined Loan-to-Value) of up to 90% depending on loan size.
- Up to 2 million on 1st mortgage: 3 million total loan amount with secondary financing.
- Loan amounts over 2 million on 1st mortgage: approved on case-by-case scenario.
- On this program: we can offer financing for properties with purchase prices as high as $4 million with our approved secondary financing with as little as 25% down.
Higher purchase prices allowed but will require larger down payment.
Recreational Land Loans
- Eligible Property Types: Rec Land with some AG allowed- Ancillary Improvements and structures used as a dwelling are acceptable and subject to review
- Acreage Consideration: Min 20 Acres required. No acreage limit
- Available Transactions: Purchase and Refinance
- Terms Available: 10-30 years fixed, fully amortized
- Credit Score Requirement: Minimum credit score of 680 for all borrowers
- Loan-to-Value (LTV) Ratio: Maximum LTV of 85% depending on loan size up to 2 million.
- Loan amounts over 2 million: approved oncase-by-case scenario.
Lot / Land
- Option #1
Widely preferred by clients, caters to those seeking to acquire non-recreational lots or land. With 65% (LTV) ratio and extended loan terms, this option stands out. Additionally, we offer flexibility in income documentation, allowing for alternate forms of verification. - Option #2
Is more for those traditional lots with an 80% LTV ratio and 10-year term. For those with larger aspirations, options 3-5 provide higher loan limits. However, these come with varying LTV ratios ranging from 50% to 75% and loan terms spanning 1-5 years, contingent upon individual scenarios. - Additional Land Loan Options:
- Commercial and Agricultural-heavy properties also eligible under separate programs.
- Loans up to $3M available, with lower LTVs but flexible financing structures