As an aspiring hobby farmer, you may have a vision of creating a thriving homestead that is both sustainable and profitable. Whether you plan to cultivate crops, raise livestock, or both, you understand that managing a successful hobby farm requires time, dedication, and financial resources. We believe in supporting your dreams and providing the resources you need to turn your vision into reality. That's why we offer hobby farm and rural residential loans designed to provide you with the flexibility and freedom necessary to manage your farm in the way that works best for you.

At JZ Mortgage, we understand that our customers' needs vary greatly, which is why we provide our rural home and hobby farm loans for a flexible and straightforward process. We strive to make the home buying process as stress-free as possible, so our customers can focus on what matters most: finding their dream home in a rural area.

We take pride in offering competitive rates and terms that rival those of our competitors. Our goal is to empower our customers to achieve their dreams of owning a home or hobby farm in the countryside without breaking the bank.

If you're looking for a loan to buy rural land with an existing home, a horse or livestock farm, or a hobby farm, look no further. Our rural residential and hobby farm loans are specifically designed for this purpose. Our experienced team will guide you through the process, ensuring that you have all the information you need to make an informed decision. We're here to help you every step of the way!

 

Property Example:

Imagine waking up every morning to the gentle sound of horses neighing and roosters crowing on your very own 56-acre hobby farm. Step outside to breathe in the fresh country air as you take in the beautiful sights of your equine facility, a sprawling pasture, and 10 acres of tillable acreage. As you make your way towards the charming barn, you're greeted by a chorus of happy animal sounds, knowing that they're well-sheltered and cared for. And if you're a wine lover, you'll be delighted to find a flourishing 5 acre vineyard right on your property, ripe with the promise of delicious vintages to come. This property truly offers the best of both worlds - a peaceful country escape with all the amenities you need to live the farm life of your dreams.

 

Rural Residential & Hobby Farm Program Highlights:

• Minimum of 5 acres
• Primary homes or second homes
• Home with up to 160 acres (more allowed on a case-by-case basis)
• Ag-Exempt Properties
• Loans up to $2 million and Schedule F (Farm) income allowed
• Purchase, rate/term, and cash out refinance to pay off debt, home or land improvements, or cash in hand
• Consolidate land and construction loans into a permanent mortgage loan
• Land value can exceed 30% of the appraised value
• Dwelling value only requires to be 25% of the value
• Multiple parcels are allowed and parcels within reasonable proximity of each other
• Farming and farm income allowed
• Horse facility with indoor/outdoor arena and no limitation on horse stables
• 50 heads of livestock or less are acceptable
• Homes with pasture land and tillable acreage
• Shed homes, Barndaminium with typical living quarters, log homes, and multiple homes allowed on the property
• Fixed 15 and 30-year terms