Loan Programs

Zions Agricultural Finance has options to fit individual needs by offering a variety of flexible land loans, loan programs and loan application processes. Our staff will work with you to find the agricultural loan and loan program that best fits your needs.

Fast Track Loans*

The "Fast Track" loan program through the Secondary Market is a streamlined loan application process that provides fast loan approval requiring minimum loan documentation.

Key Loan Qualifications

Loan-to-Value: 55% maximum
Loan Amount: $1,000,000 maximum
Acceptable credit history and a minimum credit score of 720.
Debt-to-Asset Ratio: 40% maximum
Current Debt-to-Asset Ratio: 1:1 minimum
Debt Coverage Ratio: 1:1 minimum

Fully Underwritten Loans*

For loan applications requesting loan amounts or other terms that are outside "Fast Track" parameters, Zions Agricultural Finance offers loan programs that utilize a more conventional loan application and documentation process.

Key Loan Qualifications

Loan-to-Value: 70% maximum
Credit Score: Acceptable credit history and a minimum credit score of 680
Debt-to-Asset Ratio: 50% maximum
Current Debt-to-Asset Ratio: 1.25:1 minimum
Debt Coverage Ratio: 1.25:1 minimum

Zions Agricultural Finance takes great pride in its Nationwide agricultural mortgage lending programs. We know that your needs will be met by those dedicated to not only offering outstanding loan programs, but supporting those programs with the best in customer service.

*All loans are subject to approval, restrictions apply, contact Zions Ag Finance for details.