Riverbank specializes in Michigan Farm loans for the land itself — including small hobby farms and large acreage farms. We can help you purchase or refinance farm land across Michigan, working with investors who understand how farms operate and the challenges of farm loan financing.
We finance the land only. We do not finance farm equipment. Our farm-loan investors typically limit qualifying income derived from the farm itself to 25% of total qualifying income, so most farm-loan borrowers have a separate primary source of income.
For more information on Michigan Farm Loans, call 800-555-2098.
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About Farm Loans in Michigan
Our farm loan program is built around land financing for qualified buyers: small hobby farms and large acreage farms. Whether you are buying a modest hobby parcel or a larger agricultural tract, a mortgage loan officer can review what options fit your situation.
What We Finance
Farm loans are distinct from general Michigan land loans or vacant land loans because they finance land used for farming rather than raw or recreational land alone. We offer land-only financing for:
- Hobby Farm Loans — smaller parcels for personal or part-time farming
- Large Acreage Farm Loans — financing the land on larger farm properties
We do not finance equipment, machinery, or other personal property — only the land. Long-term, fixed-rate options may be available. To get started, call us at 800-555-2098.
Do you finance farm equipment?
No. We finance the land only — for small hobby farms and large acreage farms. Equipment, machinery, and other personal property are not included in our farm loan programs.
What's the difference between a farm loan and a land loan?
A farm loan finances land used for farming, including hobby farms and large acreage farms. A general Michigan land loan can be used for a wider range of purposes, including hunting land or a future home site, without an active farming use.
Can I use farm income to qualify?
Farm income can typically count toward qualifying income, but our investors generally cap income derived from the farm at 25% of total qualifying income, so most borrowers pair it with income from another primary job.
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