Agriculture Loans

Loans for Purchasing Farms

Adding acres to your farming operation, buying a new farm, or wanting to refinance your existing farm? Wilson & Muir Bank (WMB) can help with loans structured to fit your needs. We will meet personally with you to design financing that fits.  Best of all, you get decisions locally, not from an entity that doesn’t know or understand you.

This is also a plus when it comes to servicing your loan, providing flexibility in payment streams, and the opportunity to make changes when needed.  We will be there for you.  We have been for more than 150 years.  Compare that to lenders who come and go, leaving you scrambling to find someone who knows your farming operation.

Whether you are buying a new farm, or seeking to refinance an existing mortgage, WMB offers:

• Up to 85% financing on farm real estate.
• Loan terms up to 30 years.
• Fixed rate protection with our five and seven year lock programs.
• Repayment plans that fit your cash-flow.
• Low closing costs. 
• Approvals within a week or less for real estate loans.
• Local bank decisions made swiftly on your submission.

Plus, for special needs, WMB brings more tools to help farmers.  These include:

• Financing up to 90% with Farm Service Agency (FSA) Guarantees.  
• Beginning & Young Farmer Programs with up to 95% financing.
• Use of Kentucky Ag Finance Corporation (KAFC) programs specially designed for farmers.

WMB can also provide funds to meet the expenses of running a farm through:

• Lines of Credit with annual renewals, and two year renewals when secured with real estate
• Farm equipment loans for any type of machinery or vehicle.