Unlock Your Rural Dream: Flexible Hobby Farm Loans with Pure Funding

Are you dreaming of owning a picturesque plot of land where you can cultivate a garden, raise a few animals, or simply enjoy the peace and quiet of country living? This vision is often called a "hobby farm," and it represents a unique lifestyle that blends rural charm with personal passion. At Pure Funding, we understand this dream and specialize in providing tailored Hobby Farm Loans designed to make your aspirations a reality.

What is a Hobby Farm, and Why Do You Need a Specialized Loan?

A hobby farm is typically a smaller agricultural property, often managed for pleasure rather than as a primary source of income. It could be a place to grow organic produce, keep horses, raise a small flock of chickens, or simply escape the hustle and bustle of city life. Traditional mortgage lenders often struggle with these unique properties because they don't fit neatly into conventional residential or large-scale commercial agricultural categories. This is where Pure Funding steps in.

We recognize the distinct characteristics of rural property financing and offer agricultural land loans that cater specifically to the needs of hobby farmers. Our expertise allows us to look beyond standard criteria and see the true value and potential in your unique property.

Pure Funding's Hobby Farm Loan Features: Designed for Your Lifestyle

Our Hobby Farm Loans are built with flexibility in mind, ensuring they align with your specific rural ambitions. Here's what sets Pure Funding apart:

• Generous Acreage & Property Scope: We finance properties starting with a minimum of 5 acres, including a home, and can extend up to 160 acres or even more on a case-by-case basis. This allows for ample space for your agricultural or recreational pursuits.

• Ag-Exempt Properties Welcome: If your property qualifies for agricultural exemption, our loans are ideally suited to your needs.

• Substantial Loan Amounts: Access financing up to $2 million, providing the capital you need for significant land investments.

• Versatile Loan Purposes: Whether you're looking to purchase a new hobby farm, seeking rate/term refinance to optimize your payments, or require cash-out refinance to pay off existing debt, fund home or land improvements, or simply gain cash in hand, we have solutions. We can even help you consolidate existing land and construction loans into a single, permanent mortgage.

• Flexible Home & Land Value: Unlike many lenders, we understand that for a hobby farm, the land value can be a significant portion of the overall appraisal. We allow land value to exceed 30% of the appraised value, and the dwelling value only needs to be 25% (lower allowed case-by-case). This makes financing unique properties, such as a Barndominium loan or a log home, much more accessible.

• Combine Multiple Parcels: If your dream property involves multiple adjacent or reasonably proximate parcels, we can help you combine them into a single loan for convenience.

• Farm Income & Livestock: We welcome properties where farming generates income, even if it's not your sole source of livelihood. Properties with up to 50 heads of livestock are perfectly acceptable.

• Unique Property Types: From shed homes to log homes and properties with multiple dwellings, we understand and finance diverse structures that embody the rural spirit. Even horse facilities with indoor or outdoor arenas and no limitations on horse stables are eligible.

• Stable Fixed Terms: Benefit from predictable budgeting with our fixed 15 and 30-year loan terms, providing long-term financial security for your hobby farm.

Why Choose Pure Funding for Your Rural Property?

Choosing Pure Funding means partnering with experts who live and breathe rural real estate. We pride ourselves on offering personalized service, understanding that every hobby farm dream is unique. Our dedicated loan officers are committed to guiding you through every step of the Hobby Farm Loan process, from initial inquiry to closing. We eliminate the complexities often associated with farm land loans and recreational land loans, providing clear, straightforward solutions.

Don't let traditional lending limitations stand between you and your country paradise. With Pure Funding, your vision of a thriving hobby farm is closer than you think.

Ready to Cultivate Your Rural Dream?

Explore the possibilities for your hobby farm with Pure Funding. Visit our website or contact our team today to learn more about our flexible Hobby Farm Loan options and take the first step toward living the rural life you've always imagined.