Agriculture Real Estate Financing

F&M Bank is your local source for farm land loans and other agriculture real estate financing. We’ve been helping farmers in the Shenandoah Valley grow their businesses and achieve new levels of success since 1908. Take advantage of our many years of experience to find the right ag real estate loan for your specific situation and needs. When you work with a community bank you benefit from swift and flexible lending and local decision-making, plus our employees’ deep knowledge of your community and its particular real estate market.

Farming is a challenging yet very rewarding profession. Some families have been doing it for generations. Others are new to agriculture and see it as a meaningful way to live and work. Certainly it’s hard to think of a more valuable task than growing food for someone to eat. And that locally grown food also brings communities together through farmer’s markets, where neighbors interact and meet the faces behind their heirloom tomatoes and other favorite produce.

Whether you’re new to agriculture and looking to buy land to start your farm, or you are an established farmer who requires capital to improve, renovate, or expand your agriculture operations, F&M Bank offers a variety of farm loan financing including:

  • Farm land loans: Purchase land to start your first farm or add to an existing one.
  • Agriculture construction loans: Build a farmhouse or other structures related to your agriculture business.
  • Agriculture real estate loans: Buy land or buildings for your agriculture business.
  • Conservation loans: Backed by the Farm Service Agency, these loans enable farmers to start conservation projects on their land that address issues such as soil erosion, water quality, and sustainable and organic farming.
  • Commercial development: As your agriculture business grows, you may need to develop part of your land for commercial purposes such as the operation of a CSA or farm stand, construction of new buildings, or other kind of expansion.
  • Debt consolidation or reduction: Refinance an existing farm loan or other debt at a better interest rate to reduce monthly payments and simplify your accounting.

When you’re shopping around for agriculture real estate financing, choose a financially strong and stable lender who understands the specific needs of farmers in your community. F&M Bank is proud to have “Farmer’s” in our name and to have served farmers across Augusta, Page, Rockingham, and Shenandoah counties for more than a century. Let us help you reach the next milestone in your agriculture business.

For more information about our current competitive rates and terms, and to get started with the application process, contact our lending team today.