Associated Farms
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We provide long-term farm and ranch loans secured with production agricultural real estate. Because Associated Farm Mortgage, Inc. specializes in this single area of agricultural finance we attempt to provide lower interest rates, a wider range of products, and better service. Farm and Ranch land mortgages are our only product.

We provide almost all types of commercial agriculture mortgages from financing the purchase of farmland or permanent plantings - to the finance of integrated poultry; we are your source for Ag finance.Our minimum loan size is $300,000, and we only provide loans to qualified borrowers. You need to have good credit, and a financial statement that supports your debt.

For additional details see qualifications. We presently originate and service Ag mortgage loans for the entire USA. A wide variety of loan products are available to suit your individual needs. Contact us if you have any questions. We are both a wholesale and retail lender offering banks and brokers a conduit to the secondary market for agriculture real estate mortgages and loans.
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Associated Farm Mortgage, Inc. is dedicated to providing America's farmers and ranchers with quality real estate mortgages at the best possible value for the borrower.
We strive to have the lowest interest rates and make every effort to provide timely, honest, and professional service.
Our operation is small by comparison to the mega-lenders so we provide very personal service.
There are hundreds of sources where money can be borrowed, forgive us for "tooting our own horn"; but we think we are simply one of the very best sources due to our experience and integrity (we can provide the references to back that statement up).
There are two arenas of qualifications for all loans; the first is qualifying the collateral property, the second is qualifying the applicant.
Loan to Value (LTV) - Maximum is 65%; there are rare exceptions to this if the applicant has significant offsetting strengths.
Debt to Asset - Maximum is 50%, in simple terms at the close of your loan - your net worth must exceed the total of all debts.
Exception is integrated poultry where the maximum Debt to Asset ratio at close is 65% (see below).
Consumer Credit Score - A minimum score of 690 is desired.
Long-term Ag real estate loans are our single product, we do not offer operating loans, equipment, or construction loans.
When choosing a mortgage loan product, you need to pick a product that fits your individual needs.
If there is any probability that you will need to pre-pay, or refinance in advance of maturity, then you may not want a fixed rate product (be sure there is NO pre-payment penalty regardless of product).
Pick an ARM (Adjustable Rate Mortgage) that fits your plans.
However, if long term rates are low (relative to the last 10 years) and you have no plans to pay the note in advance of its scheduled payments, then a longer term fixed rate may make sense for your needs.
Agriculture has its own inherit risks and unique characteristics.
As a result, agricultural credit is different than normal consumer credit.
We provide the following to aid farmers and ranchers in understanding and maintaining their credit.
What is it that agricultural lenders look for, why, and what can you do to improve your standing with lenders?
Due to the nature of agriculture, the following guidelines are for Ag borrowers, and due to the complexity of agriculture some of the suggestions may not apply to your situation, and/or your local lender.
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