Residential use comes first
Standard home financing generally expects a residential property, not a primarily income-producing farm or commercial operation.
Appraisals and Property
Financing a hobby farm
Acreage, barns, fencing, orchards, and a few animals do not automatically prevent residential financing. The property's primary use and marketability matter.
Acreage and improvements
The appraiser and lender consider whether land size, barns, shops, fencing, and other improvements are typical and supported in the market.
Check the basics
Zoning, legal access, utilities, wells, septic systems, surveys, insurability, and any leases or agricultural exemptions may need review.
Send the property early
I can review the listing and intended use before contract so the financing plan matches the country-life dream.
Written by Marta Lillard
25+ years of mortgage experience, explained in plain English.
Mortgage Broker · First Coast Mortgage Funding · NMLS #879436 · Licensed in Florida and Georgia
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