Loan Programs

Zions Agricultural Finance has options to fit individual needs by offering a variety of flexible loan programs and loan application processes. Our staff will work with you to find the loan product 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 700.
Debt-to-Asset Ratio: 45% maximum for loans up to $300,000, 40% maximum for loans $300,000 and above.
Current Debt-to-Asset Ratio: 1:1 minimum on loans $300,000 and above.
Debt Coverage Ratio: 1:1

Fully Underwritten Loans*

For loan applications requesting 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: 1:1 minimum
Debt Coverage Ratio: 1.25:1 minimum
Property Debt Coverage: 1:1 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.