For those dreaming of owning a hobby farm or rural estate, financing can often be a challenge. Traditional mortgage lenders may not always cater to unique rural properties, leaving buyers searching for the right loan solutions. Fortunately, specialized hobby farm lending options exist to meet the needs of buyers who seek properties with acreage, income-producing capabilities, and unique features.

At North Star Mortgage Network, we offer financing solutions tailored to a variety of rural and hobby farm properties, ensuring that buyers can secure their dream land with confidence. Here’s how we can help:

Flexible Property Types & Acreage

We provide financing for properties with large acreage, making it easier for buyers to acquire expansive land suited for farming, equestrian use, or simply for personal enjoyment.

Income-Producing Properties (Schedule F Income)

If your property generates farm-related income, you may qualify for financing based on your Schedule F income. This allows hobby farmers to leverage their earnings when seeking loan approval.

Equestrian Homes & Leased Farmland

Whether you’re purchasing a property with horse stables, boarding facilities, or leased farmland, we offer loan programs that accommodate these unique needs.

Multi-Dwelling Properties

We finance properties with up to three total dwellings on one parcel, provided the primary residence is a stick-built home. Additionally, we allow for multiple parcels under one loan, offering flexibility for larger estates.

Off-Grid & Agricultural Exempt Properties

For buyers seeking off-grid living or agricultural-exempt (Ag Exempt) properties, we have loan options designed to accommodate alternative energy sources, self-sufficient living, and large agricultural parcels.

Barndominiums & Vineyard Homes

More homebuyers are opting for barndominiums—versatile structures combining living space and storage or workspace. Our financing options extend to these unique properties, as well as vineyard homes, even those with tasting rooms.

Jumbo Loans for Large Estates

We specialize in financing jumbo properties on acreage, helping buyers secure luxury rural estates that may exceed conventional loan limits.

Log Cabins on Acreage

For those dreaming of a rustic retreat, we provide financing for log cabins on large plots of land, ensuring that buyers can achieve their vision of a tranquil, nature-filled lifestyle.

Unlimited Cash-Out Refinancing

If your loan-to-value (LTV) ratio meets the requirements, we offer cash-out refinancing with no limits. Funds can be used for property improvements, expansion, or other qualifying expenses.

Flexible Loan Terms & No Prepayment Penalties

We provide 30-year and 15-year fixed mortgage options with no prepayment penalties, allowing borrowers to choose a repayment plan that fits their financial goals.

Why Choose North Star Mortgage Network?

We understand that every rural and hobby farm property is unique, and so are the financing needs of our clients. With our flexible loan programs, competitive terms, and expertise in rural lending, we help buyers navigate the mortgage process with ease. Whether you’re purchasing a working farm, a weekend retreat, or an equestrian estate, we have the right loan solution for you.

If you’re ready to explore your hobby farm lending options, reach out to North Star Mortgage Network today. Let’s turn your rural property dreams into reality!