Hobby Farm Loans

Hobby farm loans finance smaller-scale rural properties—typically 5 to 160 acres or more—that support a hobby or lifestyle interest in farming rather than full-scale agricultural income. 

These loans allow flexibility for unconventional homes like barndominiums, log homes, or multiple structures and may include Schedule F (farm) income in the application.

With options for purchase, refinance, and cash-out, these loans support primary or secondary residences and even allow land value to exceed 30% of the appraised value. Talk with your loan officer to explore program terms, income documentation methods, and how this product might fit your rural home goals.