Check if you qualify for a land loan

The loan qualifier at Land financing tells you whether you're likely to qualify for a land loan — self-reported numbers, no hard credit pull, and no land claim needed (land buyers are welcome). It's an 8-step wizard, one question per step.

Steps 1–4

1. 1"What are you looking to do?" — Purchase land or Refinance land I own.
2. 2"What state is the property in?" — pick the state.
3. 3"How many acres are involved?" — enter the acreage.
4. 4"What's your estimated credit score?" — pick a band: 720 or higher, 680 – 719, 640 – 679, or Below 640. "A rough estimate is fine — no credit pull is performed."

Steps 5–8

1. 1"What's the purchase price (or value) of the land?" (refinance: "What is the property worth today?") — your best estimate of the land's value, excluding any dwelling.
2. 2"How much would you like to borrow?" — the requested amount is capped at 70% of the property value.
3. 3"What's your total monthly income?" — net farm income plus any off-farm income.
4. 4"What's your total monthly debt service?" — all loan and debt payments combined. Then click See if I qualify.

The results page

If you qualify, the page reads You qualify and shows the numbers behind it: property value, loan amount, your equity / down payment, loan-to-value (max 70%), and the 1% origination fee. From there, click Continue to application to start the formal application (prefilled from your answers), or Talk to a specialist. No interest rate is shown here — a specialist confirms your program and rate from the full application. If you don't qualify yet, the page shows the gate you failed with Have a lender reach out and Adjust my answers options.

• Manage your loan qualifications
• The Land Savings hub: grants and tax deductions