Agricultural Financing
Holiday Mortgage (Youngs Real Estate, Inc.) • California • By Appointment Only
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Quick list: VA • FHA • Conventional (FNMA/FHLMC) • USDA • Down Payment Assistance • Forgivable Grants • CalHFA • CalVET • Jumbo / Super Jumbo • SBA • Agricultural • Commercial • Hard Money • DSCR • Apartment Complex • Manufactured Homes
At a glance
- Best for: farms, ranches, agricultural land, rural/ag scenarios.
- Underwriting: cash flow, collateral, property specifics.
- Docs: farm income/leases and property details often needed.
Reminder: Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.
Basic qualifications (typical)
- Documented cash flow related to operation is often needed.
- Collateral and property characteristics matter (water/access/zoning).
- Guidelines vary widely by lender and property.
Property types that may work
- Agricultural land
- Farms and ranches
- Rural properties with agricultural use
Typical documentation checklist
- Photo ID
- Income documentation (paystubs, W-2s, tax returns depending on income type)
- Asset documentation (bank statements; source of funds for down payment/closing costs)
- Property documentation (purchase contract if buying; insurance quote)
- Credit authorization and explanations if needed
- Program-specific items (below)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Ag income docs (tax returns, Schedule F if applicable).
- Leases/production history (if applicable).
- Water/irrigation details (as applicable).
- Business financials for ag operations (if applicable).
Questions? Call (530) 238-5739 or email [email protected].
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