Recreational &
Hunting Land Loans
Financing for hunting tracts, rural acreage, and mixed working-recreational properties, including land with timber, pasture, or agricultural potential. We work with multiple underwriters to find you the best solution possible.
AgLoans.com is not a bank or lender. Submitting information does not guarantee approval.
Working vs. Purely Recreational Land
Not all rural acreage is financed the same way. Lenders distinguish between land with a productive use (timber, pasture, cropland) that also serves recreational purposes, and land that is purely recreational with no income-generating capacity. That distinction affects the lender's terms, loan-to-value, and down payment.
Mixed Working/Recreational (Stronger Underwriting)
- Timber value supports the appraisal
- Pasture or hay income helps cover the payments
- Hunting lease income may be credited
- More lenders willing to participate
Purely Recreational (More Conservative Underwriting)
- No income generation — loan repaid from personal income
- Larger down payment usually required
- Fewer lender options
- Shorter terms in some programs
Every request needs to meet our minimums: $500,000 or more, with agricultural real estate to help secure the loan.
$500K–$25M
Loan requests we review
Ag real estate
Helps secure the loan
All 50 states
Where we can help
1 business day
Typical time to hear from us
How Lenders Evaluate Recreational Tracts
How Recreational Land Financing Works
From initial inquiry to lender review
Tell Us the Basics
Share the purpose, amount, property, and how you expect to repay. Estimates are fine.
Review the Next Step With Our Team
We clarify your request and whether an available lending program may be worth exploring.
Complete the Formal Application
If you choose to proceed, complete the formal application and provide the documents the lender needs.
Lender Review
Nothing goes to underwriting until you say it's ready to go. The lender performs underwriting and decides whether to offer credit and on what terms.
What Shapes the Down Payment and Terms
The lender sets the down payment and terms. The biggest factor is how much the land produces:
Mixed Working/Recreational
Properties with meaningful timber or agricultural income usually get the most favorable treatment, because the land helps support the loan.
Hunting / Recreational Tracts
Properties with limited income potential usually need more down, and longer terms may be harder to find.
Raw Rural Acreage
Raw land with no improvements or productive use is usually treated the most conservatively. Personal income is the main repayment source.
Combining Recreational and Working Land
Many buyers want property that serves both purposes — a hunting tract that also carries cattle, produces timber, or has row crop potential. These mixed-use properties are often viewed more favorably because the productive use helps support the loan, and they can often be financed as a single agricultural real estate loan covering both the working and recreational parts.
See also: Timber Land Loans, Farmland Purchase Loans, Farm Loan Calculator.
What You'll Need
To start your inquiry
- The property's location and acreage
- How it's used today (timber, pasture, crops, hunting)
- Roughly what it's worth, how much you want to borrow, and how you expect to repay
- Estimates are fine
Later, if you move forward
The formal application may ask for:
- Financial statements (balance sheet and income)
- Recent tax returns
- Any lease income (hunting, grazing, or crop)
- Survey, access, and improvement details
- Everyone who will borrow or guarantee the loan
The exact list depends on the lender and the program. Our team will tell you what's needed.
Common Questions About Recreational Land Loans
Can I get a loan for hunting land?
Often, yes, when the request meets our minimums. Lenders evaluate the property's underlying use (working, timber, or pasture) alongside any structures and access, and the lender decides.
Is there a minimum loan size?
Yes. Our minimum thresholds are a loan amount of $500,000 or greater and agricultural real estate to help collateralize the loan. We review requests from $500,000 to $25 million.
How do lenders evaluate recreational land?
Lenders evaluate the underlying productive use of the land (timber, pasture, row crop potential), any improvements (lodge, food plots, water features), access, and the surrounding market for comparable recreational tracts. Pure recreational land with no productive use is underwritten more conservatively than mixed working/recreational properties.
What is the down payment for recreational land?
The lender sets it. Raw recreational land with no timber or agricultural income usually needs more down than property with timber value or agricultural use.
Will starting an inquiry affect my credit?
No. There's no credit pull to start. A credit check comes later in the process, and only after you check the box that authorizes it.
Who decides whether I'm approved?
The lender. AgLoans is not a lender. We prepare your information and work with underwriters; the lender reviews your formal application and decides whether to offer credit and on what terms. Nothing goes to underwriting until you say it's ready to go.
Ready to Finance Your Rural Property?
Tell us about the property, and our team will review the next step with you.
Answer a few quick questions. It's free, there's no credit pull to start, and estimates are fine.
Rather talk? Call anytime. If we miss you, leave a message and we'll call you back by Wednesday, September 30. Or email info@agloans.com.
AgLoans.com is not a bank or lender. Submitting information does not guarantee approval.