We proudly serve the continental United States and Hawaii with farm and ranch loans — large or small, we can accommodate your real estate financing needs. Let us be your lender of choice, and enjoy competitive rates and flexible terms.

Experience, knowledge, and service tailored to your needs; that's what you can expect with a farm and ranch loan from First Financial Bank. Our loan experts bring over 75 years of combined experience and can help you secure the financing for your unique operation.

Contact one of our loan experts today about a loan or to inquire about loan origination opportunities.

Toll free: 1-888-398-4119

Summary
  • Farmer Mac approved lender
  • FSA preferred lender in the continental US and Hawaii
  • SBA preferred lender
  • Insurance and third party investors available for larger real estate financing needs
  • Finance a wide range of farm and ranch needs, including:
    • Purchase real estate
    • Refinance an existing operation
    • Finance improvements
  • Competitive rates
  • Fast approval
  • Terms customized to your unique situation
  • Convenient one-on-one service that operates around your schedule

The application process is incredibly easy. Use button above or below to start the application process with our loan advisors, or come into one of our locations to apply.

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Loan Programs

Beginning Farmer Program

Have you been told you need a bigger down payment than you can possibly afford? By taking advantage of the Farm Service Agency's "Beginning Farmer Loan Program", your first farm purchase may not be as difficult as you thought. The program also serves as a great resource to help younger family members transition into the family business. Priority funding is available for socially disadvantaged applicants.

Download information sheet here.

What are My Options?

  • Down Payment Program – 5% down with 45/50 Joint Financing between FSA and First Financial Bank
  • 50/50 Joint Financing between FSA and First Financial Bank

Loan availability subject to borrower meeting eligibility and credit guidelines. Terms subject to change. FSA guarantee fee may apply.

Who Qualifies?

A beginning farmer is an individual or entity who:

  • Has not operated a farm for more than 10 years;
  • Meets the loan eligibility requirements;
  • Substantially participates in the operation;
  • Does not own a farm greater than 30 percent of the median size farm in the county;
  • Must have at least 3 years' experience on the business side of a farm.

If the applicant is an entity, all members must be related by either blood or marriage and all must be considered beginning farmers.

Farm Real Estate Revolving Line of Credit

Does a Revolving Line of Credit Loan (RLOC) meet my needs?

  • Do you need to use the equity in your farm to purchase more farm land?
  • Will you need all of the loan proceeds at once, or over several months?
  • Do you need financing to develop raw land for permanent plantings?

If you answered yes to any of these questions, then an FFB Farm Real Estate RLOC may be for you.

Download information sheet here.

Features

  • Borrowing power up to 50% of your bare land value
  • A 5-year interest-only draw period option, followed by a 10, 15, 20, or 25-year amortization
  • The option to renew the 5-year interest-only draw period for an additional 5-year period (the maximum term of the loan including the draw period is 30 years)
  • A 10-year interest-only draw period option, followed by a 10, 15, or 20-year amortization
  • Option to convert to other loan products
  • Unlimited draws, $2,500 minimum
  • Semi-annual interest payments during the draw period
  • Tax-deductible mortgage interest*

Guidelines

  • Loan-to-value up to 50% of bare land value
  • Minimum debt coverage of 1:35:1
  • Debt-to-asset ratio maximum of 50%
  • Minimum 680 credit score
  • Minimum Loan size of $100,000
  • Collateral for the loan is first lien on real estate

*Consult your tax advisor regarding tax-deductibility of interest. Loan availability subject to borrower meeting eligibility and credit guidelines. Terms subject to change.

Real Estate Loans

First Financial Bank (FFB) originates real estate secured agricultural loans and originates and services agricultural loans for the Federal Agricultural Mortgage Corporation (Farmer Mac) and many others. Our services are provided to farmers and ranchers across the country.

First Financial Bank offers competitive interest rates with flexible terms so you can purchase farm land, make improvements, or refinance existing debt.

Download information sheet here.

Who Qualifies?

Qualification for a Farmer Mac loan requires the borrower to work with a lender approved by Farmer Mac. First Financial Bank is a Farmer Mac Approved Lender. If you can answer "yes" to the following questions, there is a greater likelihood that you will qualify for a Farmer Mac loan.

  • Are you a U.S. citizen or permanent resident alien?
  • Are you offering as security for the loan a first mortgage on farm or ranch land?
  • Will the loan amount be less than or equal to 70% of the fair market value of the proposed security?
  • Is the loan amount less than $12.3 million (or less than $50 million on highly valued properties of fewer than 1,000 acres)?

Options Available

  • Fixed rates available in 7, 10, 15, 20, and 30-year periods
  • Adjustable Rates available in 1-month LIBOR and 1, 3, 5, 7, 10 and 15-year periods
  • Most loans have no pre-payment penalties
  • Up to 25-year amortization on most products
  • Up to 30-year term and amortization available on some loans

Guidelines

  • Loan-to-value ratio of up to 70%
  • Minimum debt coverage of 1.25:1 on most loans
  • Debt-to-asset ratio maximum of 50%
  • Minimum 680 credit score

Loan availability subject to borrower meeting eligibility and credit guidelines. Terms subject to change. FSA guarantee fee may apply.

FSA Guaranteed Loan Program

In every business, there are times when you need a loan to buy some land or make changes to your operation. As farmers and ranchers, you know the added struggle when things don't always go as planned and sometimes weather-related issues result in the need to restructure your debt to improve your cash flow. If either of these situations sound familiar — maybe a Farm Service Agency guaranteed loan is what you need.

As one of the nation's premier originators of FSA guaranteed loans, First Financial Bank Farm and Ranch Division has the knowledge and experience to assist you with your financing needs.

Download information sheet here.

Features

  • Flexible payment terms
  • Fixed and variable rate options
  • Amortizations up to 25 years

First Financial Bank is an FSA Preferred Lender. This is the highest status a lender can hold in the FSA Guaranteed Farm Loan Program. This status is awarded to experienced lenders who have demonstrated expertise in and understanding of agricultural lending and the FSA Guaranteed Farm Loan Program. Utilizing a Preferred Lender for your loan means a faster loan approval! Put our experience and resources to work for you!

Loan availability subject to borrower meeting eligibility and credit guidelines. Terms subject to change. FSA guarantee fee may apply.

Who Qualifies?

To qualify for an FSA Guarantee, a loan applicant must:

  • Be a citizen of the United Sates, or a legal resident alien
  • Have an acceptable credit history
  • Have the legal capacity to incur the debt
  • Be unable to obtain the loan without a guarantee
  • Not have caused FSA a loss by receiving debt forgiveness on more than 1 occasion
  • Not be delinquent on any federal debt
  • Have the ability to repay the loan
  • Provide sufficient security for the loan
  • Owner/Operator
Lending Resources

First Financial Bank is here to help you with your Farm & Ranching financing needs. From store acquisitions to start-ups, construction to refinancing existing business debt. First Financial has competitive loan terms and services to meet your business needs.

Applications

Loan Application Checklist

Farm & Ranch Loan Application

Farm & Ranch Balance Sheet

Testimonials

"I'm very, very satisfied. Any questions or concerns I had were addressed right away. Pat came to my farm to assess our operation. He gave us honest answers and addressed issues accordingly. I am very happy with the service." — Bob G., Alfalfa and Cattle Farmer, Winnemucca, NV

"One thing I really liked was when Pat came to my farm for a routine inspection and in passing, I mentioned a type of financing that I wanted. To my surprise, Pat said, with no hesitation that Frist Financial Bank could do what I needed. In a few days and a few pieces of paper later, the transaction was complete. From my experience, lenders at other agencies would never have gotten this process done so quickly." — Kirk H., Grape Farmer, Fredonia, NY