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Ag Financing

Real Estate Loans

Heritage Bank uses a variety of loans such as Farmer Mac, FSA Farm Ownership, and conventional loans to provide the maximum benefit to the ag borrower.

Farmer Mac Benefits

  • Available to small and/or part-time farmers (where off-farm income is a major factor)
  • Available to large, full-farm operations
  • Larger acreage properties for both residential and agricultural purposes
  • Long-term financing of ag real estate
  • Fixed interest for 5 or 25 years
  • Amortization of 15 or 25 years

In addition to a Farmer Mac loan our FSA preferred lender status allows fast approval for a Farm Ownership loan. Funds from a Farm Ownership loan cover:

  • Farmland purchases
  • Buildings following construction or remodeling
  • Development of farmland to promote soil and water conservation
  • Refinance of existing debt

Machinery Loans

Heritage Bank offers equipment loans for all areas of farming, including livestock equipment. Loans are generally made on a variable basis, but fixed-rate loans are available.

  • Conventional Loan
  • FSA Guaranteed Loan for qualified borrowers

Heritage Bank can secure equipment loans up to $1,214,000 through the Farm Service Agency (FSA) Guaranteed program for producers who qualify

Operating Loans & Lines of Credit

Heritage Bank offers both conventional and FSA guaranteed operating loans for annual farm operational expenses, including crop input and feeder livestock.

As a Preferred Lender for FSA Guaranteed loans, Heritage Bank can secure an operational loan for eligible producers up to $1,214,000 for fuel, chemicals, repairs, insurance and other operating expenses.

Contact your Ag Relationship Manager for more information about our lending options.