Rural & Agriculture Financing Center

Farm Credit of Western Kansas real estate loans are among the most competitive you'll find and the most flexible. We offer unsurpassed expertise in financing farmland, farmsteads, ranchland, acreages, and homes in the country and rural communities.

Agricultural Land Financing FAQ

What types of rates and terms are available for agricultural land financing?

We offer variable-, fixed-, interim-fixed and adjustable rate loans. We also offer ag-friendly terms, including long-term options, to help meet your specific financing needs.

What type of payment schedules do you offer for agricultural land financing?

You can choose monthly, quarterly, semiannual or annual payment schedules to meet your cash flow expectations. We also offer fully or partially amortized loans, and decreasing, even or accelerated payment schedules.

How long does it take to get appraisals completed?

We have an in-house certified appraisal team that completes appraisals for our purposes at no cost to you. The average appraisal time is less than two weeks.

How long does it take to process a loan application?

We offer quick decisions on loan applications. Our average credit decision turnaround time is less than 10 days, depending the complexity of the request.

How long does it take to process a loan application?

We offer quick decisions on loan applications. Our average credit decision turnaround time is less than 10 days, depending the complexity of the request.

What about loan fees?

We have no application or origination fees. We also offer loans with no prepayment penalties after the first six months.*


*Standard terms, other options available that may have prepayment penalties and/or fees.

What should I look for in a rural lender?

Choose a lender who is knowledgeable and experienced in financing agricultural land. An experienced rural lender can offer advice on agricultural-use tax exemptions, environmental factors and insurance sources that an urban or out-of-state lender might not. Our experienced local financing teams are highly specialized and will work with you to determine the best loan for your farm or ranch.

What’s a primary market lender and why does it matter?

As a primary market lender, Farm Credit of Western Kansas retains ownership and service through the life of your loan. We won’t sell your loan to a secondary lender or change any terms such as grace periods and fees.

About Farm Credit Services of Western Kansas

Who is Farm Credit of Western Kansas?

Farm Credit of Western Kansas is a customer-owned financial cooperative dedicated to serving the credit, risk management and financial needs of farmers, ranchers and rural residents in western Kansas. Owned by area farmers and ranchers, Farm Credit of Western Kansas has a main office in Colby, Kansas and 7 local satellite offices throughout the area. Learn more at fcwk.com

What does Farm Credit of Western Kansas finance?

In addition to serving the credit and risk management needs of farmers and ranchers, we finance and refinance agricultural land, acreages, country homes (including new construction), and homes located in rural subdivisions or communities with populations of 2,500 or fewer residents. If you farm or ranch, you may also qualify for home financing in a larger town or city.

How can I benefit from financing with Farm Credit of Western Kansas?

When you finance with Farm Credit of Western Kansas, you become a customer-owner. That means, along with attractive rates and terms, eligible customer-owners can get cash-back dividends, a unique opportunity to share in our net earnings. We have paid more than $25 million in cash-back dividends in the past ten years.

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