Recreational Land Loans

What is a recreational land loan?

Enjoying mother nature on your own piece of property is good for the soul. Hunting, fishing, birdwatching or just having a peaceful place to reflect are some of rural America’s favorite past times. Legacy Ag Credit supports all of those who want to enjoy a beautiful location and we can provide you with recreational land loans to acquire the property.

If you’re wondering what recreational property is, here’s a simple explanation: It is a segment of land that is used primarily for recreational purposes in contrast to working land, which is mostly used for production. We’ve provided loans for these types of recreational property, just to name a few:

  • Quiet and peaceful fishing holes, ponds and stream spillways.
  • Secluded and private hunting locations.
  • Rural lands to ride and train horses.
  • Country corners for relaxation and wildlife observation.

Many of our clients come to us with a vision for their recreational property. We help them make that vision a reality with both recreational land loans and rural improvement loans with easy financing solutions. Want to use your rural landscape to create a private barndominium? No problem. Our experienced lenders can work with you to discuss a loan package that suits your real estate and construction needs.

Recreational land financing and rural real estate loans go hand in hand, meaning you don’t have to worry whether you can do both. Legacy Ag Credit is a Farm Credit association and we offer competitive interest rates because of our history. Here’s how it works. The Farm Credit System has helped fund recreational land development, agriculture production and the rest of rural America since 1916. Through ownership by our borrowers and reinvestment in our Cooperative, the competitive, long-term, fixed-rate interest options you receive are virtually unmatched.

Talk to us about your vision. It’s time to create your personal getaway.

You can also get a better idea of what your payment amount might look like with our online loan payment calculator.

Does a recreational loan require appraisal?

Legacy Ag Credit wants to give you the best deal possible when assisting you with your loan. Under federal law, a land appraisal must be completed and the process is a benefit to both the borrower and the lender in order to provide a fair valuation. Our staff is open to working with you and will be happy to provide guidance through appraisal procedures. We are specialists in country property and can assist you with an appraiser that knows your property and can evaluate it fairly.

How to get a loan for recreational property?

When you’re ready to purchase that perfect piece of land or finance the improvement you have always dreamed of, contact Legacy Ag Credit to get started. Throughout Northeast Texas, we provide loan assistance at all of our Legacy Ag Credit branch locations. Can’t visit us yet? Begin your application process online or call us toll-free at 866-885-3522.

Whether you’re planning a large improvement to your recreational property, a simple addition or are just interested in an initial purchase, Legacy Ag Credit is ready to offer you competitive financing options. See your vision come to life and get started today.


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