Compliance & Transparency
What AgLoans is, what it isn't, and how we handle your information.
What AgLoans Does NOT Do
- Make lending decisions
- Approve or deny loans
- Service loans after closing
- Collect payments
- Set interest rates or fees
What AgLoans DOES Do
- Gathers information about your agricultural operation
- Assesses your basic eligibility for financing
- Helps identify lending programs that may be worth exploring
- Prepares your information for lenders' underwriting
- Facilitates connections between borrowers and lenders
Important Compliance Information
This Is Not a Mortgage
AgLoans does not facilitate residential mortgages. These are agricultural real estate loans for farming operations—not residential properties or consumer loans. Federal consumer-mortgage rules such as RESPA and TILA generally don't apply to credit that is primarily for a business or agricultural purpose. Whether they apply depends on the purpose and details of your loan, so ask your lender which rules apply.
No Rate Quotes
AgLoans cannot quote specific interest rates, as rates vary by lender, market conditions, and your specific creditworthiness. The lender sets the rate and terms when it reviews your formal application.
No Guarantee of Approval
Prequalification is not approval. A preliminary review means your request may fit basic criteria, but formal underwriting determines whether you actually qualify. Many factors reviewed in detail underwriting could affect final approval.
Your Information
Privacy and Disclosure
When you complete AgLoans' prequalification form, you authorize us to collect information about your operation and finances and share that information with lenders. The prequalification form does not pull your credit or run a background check. A credit check comes later in the process, and only after you check the box that authorizes it. Your information is handled confidentially and shared only with lenders for underwriting purposes.
Accuracy of Information
You are responsible for the accuracy of information you provide. Misrepresenting information could result in loan denial, constitute fraud, result in legal consequences, or lead to loan recall if discovered after closing.
No Professional Advice
AgLoans' educational content is not legal advice, tax advice, financial advice, investment advice, or professional recommendations. Always consult with appropriate professionals regarding your specific situation.
- Consult with your lender about loan terms
- Speak with an accountant about tax implications
- Speak with a lawyer about legal implications
- Consult a financial advisor about overall financial strategy
Questions About Our Process?
Reach out via our contact form or call us at 913-608-7245.
Answer a few quick questions. It's free, there's no credit pull to start, and estimates are fine.
AgLoans.com is not a bank or lender. Submitting information does not guarantee approval.