Farm Credit West provides flexible financing solutions for farmers and ranchers through our many loan products. Our experienced staff is standing by to visit your operation and learn about your financing needs. For more information, call your local Farm Credit West office.
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Ag-Business Expertise
Professional loan officers who understand all aspects of agricultural businesses. They make a point of getting to know you, your operation and its financial needs. -
Local Decisions
All loan decisions are made right in your local office, not in some distant location in Los Angeles or San Francisco. -
On-Farm Service
Loan officers come right to your place of business, walk your property and observe your operation. -
Money at a Fair Price
We are committed to providing the best value in the marketplace. Our rates are among the most competitive you’ll find. Low rates, combined with our robust Patronage program, make Farm Credit West the clear choice for your financing needs.
Real Estate
Whether you are financing a new purchase, refinancing your current loan or making farm improvements, we offer financing solutions designed to meet your individual needs. You'll find many convenient and money-saving features, including several rate and term options. Farm Credit West real estate loans are among the most competitive – and the most flexible – you'll find.
Below are some specifics on the Real Estate loan products we offer:
| Types of Financing | Permanent crop development New facility construction Line of credit Real estate purchase Other capital needs |
| Collateral | First lien on eligible real property At Farm Credit West, our appraisals are completed by FCW licensed appraisers. This allows greater control and more flexibility |
| Rates | Variable rates Fixed rates available with several different options including no prepayment penalties |
| Terms | Up to 30 years |
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Operating
We understand how the cycles of farming can affect your business. We work with you to tailor a loan that fits your operational needs, and your cash flow. Our revolving line of credit allows you to borrow and repay funds as often as needed.
Below are some specifics on FCW Operating Loan options:
| Types of Financing | Operating lines of credit |
| Collateral | Operating loans are typically secured by a first lien position on the assets being financed (crops, livestock held for sale, and breeding livestock) |
| Rates | Variable rates |
| Terms | 1 - 4 years |
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Equipment
Our financial specialists can help you acquire the equipment and machinery you need in a way that meets your financial parameters. We offer competitive rates, fast approval and convenient options.
Below are some specifics on FCW Equipment Loan options:
| Types of Financing | Purchase of new and used equipment such as Tractors, Implements, Harvesting Equipment, Processing Equipment, Winery Equipment, Solar Equipment, Facilities, and more |
| Collateral | Equipment loans are secured by the first lien on the equipment being financed |
| Rates | Variable rates Fixed rates available with several different options including no prepayment penalties |
| Terms | Loans, Capital Leases, and True Leases with terms up to 7 years |
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Special Loan Programs
Irrigation Stewardship Program
As a farmer-owned cooperative, we are committed to helping our customers maintain a sustainable and environmentally sound operation. Through the Irrigation Stewardship program, financing is available to help provide reliable irrigation and water supplies.
Applications are being accepted for this loan program through December 31, 2019. Contact a Farm Credit West representative today for details.
| Types of Financing | Servicing on wells Drilling a new well Installing irrigation delivery systems |
| Collateral | Real property secured |
| Rates | Reduced interest rates are available |
| Terms | Up to 25 years on loans Up to 7 years on leases |
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Wildfire Recovery Loan and Lease Program
If your farm, ranch, or agriculture business were damaged or destroyed by wildfires in 2017, Farm Credit West can help you rebuild. Take advantage of a special low cost financing program designed to get you back on your feet.
Funds are available through this program to repair wildfire damage or mudslides/erosion that resulted due to the fires.
| Types of Financing | Loans or leases to farmers, ranchers and agricultural businesses to repair/replace any capital improvements that were damaged or destroyed by wildfires in 2017. Damage can be from the actual fire itself or mudslides/erosion that resulted due to the fires. |
| Collateral | Real property secured |
| Rates | Reduced interest rates are available |
| Terms | Up to 25 years on loans Up to 7 years on leases |
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Country Home Loans
We’re committed to providing a full range of products and services to meet the growing needs of the agricultural and rural communities in our territory. If you’ve been dreaming about buying, building or refinancing a home in the country, we’re prepared to help you turn your dreams into reality.
Through our relationship with Northwest Farm Credit Services, we offer the Country Home Loan program, a rural residential lending program that provides three types of loans.
Rural Home Loans
The Country Home Loan program is designed to promote rural development by providing rural residents with access to financing purchase or refinance rural homes, land or lots, or make improvements to a home or property located in the country. The rural home loan program is designed to support rural residents with financing options for rural properties that many lenders may not be able to finance.
- Large acreages
Bare land without water, power or septic
Properties with farm income or zoned for agriculture
Land with barns, shops, outbuildings and/or riding arenas
Manufactured, log and shop-homes
Vineyards, orchards, nurseries, woodlands, conservation lands and other agricultural commodities
Properties with multiple, permanent homesites
Off-grid properties and multiple, continuous parcels
Bare Land Loans
Loans are available for rural residents who want to buy bare land in the country, or a lot located in a small town. In most cases, bare land purchases won’t require water, well or septic at time of financing.
- No acreage restrictions
Agriculturally zoned properties are eligible
Power, well and septic aren’t typically required
Flexible timelines for future home sites
Refinancing programs are also available
No time limits for building
One-Step Construction Loans
The One-step Construction Loan simplifies the construction process by eliminating the need for multiple loans. With this program, you can finance every step of your homebuilding journey with one convenient loan that offers multiple options for locking in rates and making payments during the construction period.
- One loan, one set of fees and one closing
Renovations, remodels and outbuildings are eligible
Flexible time periods for more complex projects
Interest rates locked in during construction
If you’re ready to take the next step with Northwest FCS, or be connected with your regional Northwest FCS Relationship Manager, please get started here or call 866-552-9172.
Who is Northwest Farm Credit Services?
Northwest FCS is a fellow Farm Credit System association with headquarters located in Spokane Washington. Their territory includes Montana, Idaho, Oregon, Washington and Alaska. Northwest FCS also coordinates efforts with several Western associations, including Farm Credit West, to offer residential loan services in most counties in California, Utah, Arizona and Hawaii, and in portions of Colorado, Kansas, New Mexico, Oklahoma and Wyoming. We proudly endorse Northwest FCS as a provider of the Country Home Loan program. Learn More
Northwest Farm Credit Services, FLCA, offers, owns and services Country Home Loans in areas served by other Farm Credit associations with their express written consent and approval.
Northwest Farm Credit Services is an Equal Housing Lender.
Northwest Farm Credit Services is an equal opportunity provider and employer.
