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Fast Track

Fast Track Agricultural Loan

Reduced Documentation Loan Program For Agricultural Loans And Part-Time Farms

  • Fixed or adjustable rate products available. 
  • Semi-annual or monthly payments. 
  • Up to 25 year amortization. 
  • Available for full or part-time farming operations. 
  • Property may be non-contiguous. 
  • No requirement for residence on property. 
  • No limit on Combined Loan-to-Value
  • Available for purchase or refinance transactions. 

Key Criteria for Eligibility

  • Maximum Loan-to-value 55%.
  • Maximum loan amount $1,000,000.
  • Minimum credit score 700 for loan amounts up to $300,000.
  • Minimum credit score 720 for loan amount $300,000 and above.

Document Requirements

  • Signed Fast Track Loan Application.
  • Fast Track Balance Sheet for each applicant. 
  • Tri-merge credit report for each applicant. 
  • Signed Federal tax returns for up to two years may be required.
  • Signed copy of Request for Transcript of Tax Form (IRS 4506)
  • Copies of the two most recent pay stubs for off farm income. 
  • Limited appraisal report in summary format. 
  • Environmental Disclosure signed by borrower and appraiser. 
  • Evidence of water rights, leases, grazing permits, CRP contracts etc., if applicable. 
  • Evidence of hazard insurance coverage with loss payee endorsement. 
  • Description of all fixtures and personal property necessary to operate the property along with a UCC search on all applicants.