Loans

Loans

Farm Credit West provides flexible financing solutions for farmers and ranchers through our many loan products. Our experienced staff is standing by to visit your operation and learn about your financing needs. For more information, call your local Farm Credit West office.

  • Ag-Business Expertise

    Professional loan officers who understand all aspects of agricultural businesses. They make a point of getting to know you, your operation and its financial needs.
  • Local Decisions

    All loan decisions are made right in your local office, not in some distant location in Los Angeles or San Francisco.
  • On-Farm Service

    Loan officers come right to your place of business, walk your property and observe your operation.
  • Money at a Fair Price

    We are committed to providing the best value in the marketplace. Our rates are among the most competitive you’ll find. Low rates, combined with our robust Patronage program, make Farm Credit West the clear choice for your financing needs.

Real Estate

Whether you are financing a new purchase, refinancing your current loan or making farm improvements, we offer financing solutions designed to meet your individual needs. You'll find many convenient and money-saving features, including several rate and term options. Farm Credit West real estate loans are among the most competitive – and the most flexible – you'll find.

Below are some specifics on the Real Estate loan products we offer:

Real Estate Loan Products
Types of Financing Permanent crop development
New facility construction
Line of credit
Real estate purchase
Other capital needs
Collateral First lien on eligible real property
At Farm Credit West, our appraisals are completed by FCW licensed appraisers. This allows greater control and more flexibility
Rates Variable rates
Fixed rates available with several different options including no prepayment penalties
Terms Up to 30 years

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Operating

We understand how the cycles of farming can affect your business. We work with you to tailor a loan that fits your operational needs, and your cash flow. Our revolving line of credit allows you to borrow and repay funds as often as needed.

Below are some specifics on FCW Operating Loan options:

Operating Loan Options
Types of Financing Operating lines of credit
Collateral Operating loans are typically secured by a first lien position on the assets being financed (crops, livestock held for sale, and breeding livestock)
Rates Variable rates
Terms 1 - 4 years

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Equipment

Our financial specialists can help you acquire the equipment and machinery you need in a way that meets your financial parameters. We offer competitive rates, fast approval and convenient options.

Below are some specifics on FCW Equipment Loan options:

Equipment Loan Options
Types of Financing Purchase of new and used equipment such as Tractors, Implements, Harvesting Equipment, Processing Equipment, Winery Equipment, Solar Equipment, Facilities, and more
Collateral Equipment loans are secured by the first lien on the equipment being financed
Rates Variable rates
Fixed rates available with several different options including no prepayment penalties
Terms Loans, Capital Leases, and True Leases with terms up to 7 years

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Special Loan Programs

 

Irrigation Stewardship Program


As a farmer-owned cooperative, we are committed to helping our customers maintain a sustainable and environmentally sound operation. Through the Irrigation Stewardship program, financing is available to help provide reliable irrigation and water supplies.

Applications are being accepted for this loan program through December 31, 2019. Contact a Farm Credit West representative today for details.

Irrigation Stewardship Program
Types of Financing Servicing on wells
Drilling a new well
Installing irrigation delivery systems
Collateral Real property secured
Rates Reduced interest rates are available
Terms Up to 25 years on loans
Up to 7 years on leases

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Wildfire Recovery Loan and Lease Program


If your farm, ranch, or agriculture business were damaged or destroyed by wildfires in 2017, Farm Credit West can help you rebuild. Take advantage of a special low cost financing program designed to get you back on your feet.

Funds are available through this program to repair wildfire damage or mudslides/erosion that resulted due to the fires.

Wildfire Recovery Loan and Lease Program
Types of Financing Loans or leases to farmers, ranchers and agricultural businesses to repair/replace any capital improvements that were damaged or destroyed by wildfires in 2017. Damage can be from the actual fire itself or mudslides/erosion that resulted due to the fires.
Collateral Real property secured
Rates Reduced interest rates are available
Terms Up to 25 years on loans
Up to 7 years on leases

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Country Home Loans

We’re committed to providing a full range of products and services to meet the growing needs of the agricultural and rural communities in our territory. If you’ve been dreaming about buying, building or refinancing a home in the country, we’re prepared to help you turn your dreams into reality. 

Through our relationship with Northwest Farm Credit Services, we offer the Country Home Loan program, a rural residential lending program that provides three types of loans.

Rural Home Loans

The Country Home Loan program is designed to promote rural development by providing rural residents with access to financing purchase or refinance rural homes, land or lots, or make improvements to a home or property located in the country. The rural home loan program is designed to support rural residents with financing options for rural properties that many lenders may not be able to finance.

  • Large acreages
    Bare land without water, power or septic
    Properties with farm income or zoned for agriculture
    Land with barns, shops, outbuildings and/or riding arenas
    Manufactured, log and shop-homes
    Vineyards, orchards, nurseries, woodlands, conservation lands and other agricultural commodities
    Properties with multiple, permanent homesites
    Off-grid properties and multiple, continuous parcels

Bare Land Loans

Loans are available for rural residents who want to buy bare land in the country, or a lot located in a small town. In most cases, bare land purchases won’t require water, well or septic at time of financing.

  • No acreage restrictions
    Agriculturally zoned properties are eligible
    Power, well and septic aren’t typically required
    Flexible timelines for future home sites
    Refinancing programs are also available
    No time limits for building

One-Step Construction Loans

The One-step Construction Loan simplifies the construction process by eliminating the need for multiple loans. With this program, you can finance every step of your homebuilding journey with one convenient loan that offers multiple options for locking in rates and making payments during the construction period.

  • One loan, one set of fees and one closing
    Renovations, remodels and outbuildings are eligible
    Flexible time periods for more complex projects
    Interest rates locked in during construction

If you’re ready to take the next step with Northwest FCS, or be connected with your regional Northwest FCS Relationship Manager, please get started here or call 866-552-9172.

Who is Northwest Farm Credit Services?

Northwest FCS is a fellow Farm Credit System association with headquarters located in Spokane Washington. Their territory includes Montana, Idaho, Oregon, Washington and Alaska. Northwest FCS also coordinates efforts with several Western associations, including Farm Credit West, to offer residential loan services in most counties in California, Utah, Arizona and Hawaii, and in portions of Colorado, Kansas, New Mexico, Oklahoma and Wyoming. We proudly endorse Northwest FCS as a provider of the Country Home Loan program. Learn More

Northwest Farm Credit Services, FLCA, offers, owns and services Country Home Loans in areas served by other Farm Credit associations with their express written consent and approval.

 All loan actions are subject to program availability. Certain conditions and restrictions may apply.
Northwest Farm Credit Services is an Equal Housing Lender.
Northwest Farm Credit Services is an equal opportunity provider and employer.