{"id":10713,"date":"2025-05-09T09:00:00","date_gmt":"2025-05-09T13:00:00","guid":{"rendered":"https:\/\/nationalland.com\/blog\/?p=10713"},"modified":"2025-05-09T14:42:05","modified_gmt":"2025-05-09T18:42:05","slug":"differences-between-private-lenders-and-fsa-loans","status":"publish","type":"post","link":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/","title":{"rendered":"Differences Between Private Lenders and FSA Loans"},"content":{"rendered":"\n

Purchasing farmland is a major investment, and choosing the right financing can make a huge difference, not just in getting the deal done but in setting yourself up for long-term success.<\/a> Two of the most common options for farmland financing are private lenders and loans from the Farm Service Agency (FSA).<\/a> Each option has its own pros, cons, and ideal use cases.<\/p>\n\n\n\n

Let\u2019s take a look at a few factors that differentiate private lenders from the loans offered by the FSA!<\/p>\n\n\n\n

Larger Loan Limits<\/h2>\n\n\n\n

One of the biggest advantages of working with a private lender is the larger loan limits they can provide. This is especially helpful for buyers looking to make larger purchases or even finance some of their operating equipment with their loan. <\/p>\n\n\n\n

While FSA loans are fantastic options for first-time purchasers, buyers looking for a bit more purchasing power might consider looking to the private sector to finance their land acquisition. <\/p>\n\n\n\n

More Flexible Loan Options<\/h2>\n\n\n\n

Another way private lenders differ is in the flexibility of the financing options offer to buyers. Unlike FSA loans, which are subject to USDA guidelines and program structures, private lenders can customize loans to fit a buyer\u2019s individual needs. <\/p>\n\n\n\n

For example, private lenders can offer fixed or variable interest rates along with options to dictate the term length, amortization schedule, and repayment structure that work best for the buyer\u2019s specific circumstances.<\/p>\n\n\n\n

Potentially Faster Turnaround<\/h2>\n\n\n\n

Some lenders like Conterra<\/a> offer unique programs to provide buyers with loans on a much quicker timeline than those provided by the FSA. For example, Conterra\u2019s Scorecard Program. According to Frantzis, applicants only require a few years of tax returns and balance sheets to receive a decision on their loan application within 24 hours. <\/p>\n\n\n\n

Many private lenders place a focus on making the lending process as easy as possible for their clients to allow them to focus on the day-to-day responsibilities of their ag operation. <\/p>\n\n\n\n

If your dream property or business plan requires more than what the FSA can provide, consider looking into a private lender. They\u2019re especially valuable for experienced land buyers, investors, or those making strategic growth moves in agriculture.<\/p>\n\n\n\n

Have more questions about land loans and the options available to you? Get in touch with your local Land Professional today!<\/a> <\/p>\n","protected":false},"excerpt":{"rendered":"

Purchasing farmland is a major investment, and choosing the right financing can make a huge difference, not just in getting the deal done but in setting yourself up for long-term success. Two of the most common options for farmland financing are private lenders and loans from the Farm Service Agency (FSA). Each option has its … <\/p>\n

Continue reading “Differences Between Private Lenders and FSA Loans”<\/span><\/a><\/p>\n","protected":false},"author":92,"featured_media":10723,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[747],"tags":[1846,1847,1840,375,340,359,1844,1269,1758,1845],"jetpack_publicize_connections":[],"yoast_head":"\nDifferences Between Private Lenders and FSA Loans - National Land Realty News<\/title>\n<meta name=\"description\" content=\"Private lenders are a great option for buyers looking to finance their land purchases. Learn more about their services here!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Differences Between Private Lenders and FSA Loans - National Land Realty News\" \/>\n<meta property=\"og:description\" content=\"Private lenders are a great option for buyers looking to finance their land purchases. Learn more about their services here!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"National Land Realty News\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/nationallandrealty\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-09T13:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-09T18:42:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nationalland.com\/blog\/wp-content\/uploads\/2025\/05\/AdobeStock_1377828059-1024x750.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"750\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bryce Berglund\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:creator\" content=\"@ThisIsYourLand\" \/>\n<meta name=\"twitter:site\" content=\"@ThisIsYourLand\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bryce Berglund\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/\"},\"author\":{\"name\":\"Bryce Berglund\",\"@id\":\"https:\/\/nationalland.com\/blog\/#\/schema\/person\/39e0dd0bb361da93467d0796bf0a20fe\"},\"headline\":\"Differences Between Private Lenders and FSA Loans\",\"datePublished\":\"2025-05-09T13:00:00+00:00\",\"dateModified\":\"2025-05-09T18:42:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/\"},\"wordCount\":392,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/nationalland.com\/blog\/#organization\"},\"keywords\":[\"bank\",\"banker\",\"buy land\",\"buying land\",\"finance\",\"Financing\",\"FSA Loan\",\"how to buy land\",\"land loans\",\"private lender\"],\"articleSection\":[\"Buying Land\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/\",\"url\":\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/\",\"name\":\"Differences Between Private Lenders and FSA Loans - National Land Realty News\",\"isPartOf\":{\"@id\":\"https:\/\/nationalland.com\/blog\/#website\"},\"datePublished\":\"2025-05-09T13:00:00+00:00\",\"dateModified\":\"2025-05-09T18:42:05+00:00\",\"description\":\"Private lenders are a great option for buyers looking to finance their land purchases. Learn more about their services here!\",\"breadcrumb\":{\"@id\":\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/nationalland.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Differences Between Private Lenders and FSA Loans\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/nationalland.com\/blog\/#website\",\"url\":\"https:\/\/nationalland.com\/blog\/\",\"name\":\"National Land Realty Blog\",\"description\":\"News, insights and information on buying and selling land\",\"publisher\":{\"@id\":\"https:\/\/nationalland.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/nationalland.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/nationalland.com\/blog\/#organization\",\"name\":\"National Land Realty\",\"url\":\"https:\/\/nationalland.com\/blog\/\",\"sameAs\":[\"http:\/\/www.instagram.com\/nationallandrealty\",\"https:\/\/www.linkedin.com\/company\/2448696\/\",\"http:\/\/www.youtube.com\/nationallandrealty\",\"https:\/\/www.facebook.com\/nationallandrealty\/\",\"https:\/\/twitter.com\/ThisIsYourLand\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/nationalland.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i0.wp.com\/nationalland.com\/blog\/wp-content\/uploads\/2017\/07\/3Color_Small_Final.png?fit=324%2C180&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/nationalland.com\/blog\/wp-content\/uploads\/2017\/07\/3Color_Small_Final.png?fit=324%2C180&ssl=1\",\"width\":324,\"height\":180,\"caption\":\"National Land Realty\"},\"image\":{\"@id\":\"https:\/\/nationalland.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/nationalland.com\/blog\/#\/schema\/person\/39e0dd0bb361da93467d0796bf0a20fe\",\"name\":\"Bryce Berglund\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/nationalland.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/i0.wp.com\/nationalland.com\/blog\/wp-content\/uploads\/2022\/01\/Bryce_Square-scaled.jpg?fit=96%2C96&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/nationalland.com\/blog\/wp-content\/uploads\/2022\/01\/Bryce_Square-scaled.jpg?fit=96%2C96&ssl=1\",\"caption\":\"Bryce Berglund\"},\"description\":\"Bryce Berglund is National Land Realty\u2019s Content Marketing Specialist. Raised in the south-central town of New Prague, MN, Bryce attended the University of Minnesota Twin Cities where he studied English and Literature before joining National Land Realty in 2021. He currently resides in St. Paul, Minnesota, and is involved in Minnesota's local music scene, frequently attending concerts around the Twin Cities in his free time.\",\"sameAs\":[\"https:\/\/nationalland.com\/real-estate-agent\/bryce-berglund\"],\"url\":\"https:\/\/nationalland.com\/blog\/author\/bryce-berglund\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Differences Between Private Lenders and FSA Loans - National Land Realty News","description":"Private lenders are a great option for buyers looking to finance their land purchases. Learn more about their services here!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/","og_locale":"en_US","og_type":"article","og_title":"Differences Between Private Lenders and FSA Loans - National Land Realty News","og_description":"Private lenders are a great option for buyers looking to finance their land purchases. Learn more about their services here!","og_url":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/","og_site_name":"National Land Realty News","article_publisher":"https:\/\/www.facebook.com\/nationallandrealty\/","article_published_time":"2025-05-09T13:00:00+00:00","article_modified_time":"2025-05-09T18:42:05+00:00","og_image":[{"width":1024,"height":750,"url":"https:\/\/nationalland.com\/blog\/wp-content\/uploads\/2025\/05\/AdobeStock_1377828059-1024x750.jpeg","type":"image\/jpeg"}],"author":"Bryce Berglund","twitter_card":"summary","twitter_creator":"@ThisIsYourLand","twitter_site":"@ThisIsYourLand","twitter_misc":{"Written by":"Bryce Berglund","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/#article","isPartOf":{"@id":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/"},"author":{"name":"Bryce Berglund","@id":"https:\/\/nationalland.com\/blog\/#\/schema\/person\/39e0dd0bb361da93467d0796bf0a20fe"},"headline":"Differences Between Private Lenders and FSA Loans","datePublished":"2025-05-09T13:00:00+00:00","dateModified":"2025-05-09T18:42:05+00:00","mainEntityOfPage":{"@id":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/"},"wordCount":392,"commentCount":0,"publisher":{"@id":"https:\/\/nationalland.com\/blog\/#organization"},"keywords":["bank","banker","buy land","buying land","finance","Financing","FSA Loan","how to buy land","land loans","private lender"],"articleSection":["Buying Land"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/","url":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/","name":"Differences Between Private Lenders and FSA Loans - National Land Realty News","isPartOf":{"@id":"https:\/\/nationalland.com\/blog\/#website"},"datePublished":"2025-05-09T13:00:00+00:00","dateModified":"2025-05-09T18:42:05+00:00","description":"Private lenders are a great option for buyers looking to finance their land purchases. Learn more about their services here!","breadcrumb":{"@id":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/nationalland.com\/blog\/differences-between-private-lenders-and-fsa-loans\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/nationalland.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Differences Between Private Lenders and FSA Loans"}]},{"@type":"WebSite","@id":"https:\/\/nationalland.com\/blog\/#website","url":"https:\/\/nationalland.com\/blog\/","name":"National Land Realty Blog","description":"News, insights and information on buying and selling land","publisher":{"@id":"https:\/\/nationalland.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/nationalland.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/nationalland.com\/blog\/#organization","name":"National Land Realty","url":"https:\/\/nationalland.com\/blog\/","sameAs":["http:\/\/www.instagram.com\/nationallandrealty","https:\/\/www.linkedin.com\/company\/2448696\/","http:\/\/www.youtube.com\/nationallandrealty","https:\/\/www.facebook.com\/nationallandrealty\/","https:\/\/twitter.com\/ThisIsYourLand"],"logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/nationalland.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/nationalland.com\/blog\/wp-content\/uploads\/2017\/07\/3Color_Small_Final.png?fit=324%2C180&ssl=1","contentUrl":"https:\/\/i0.wp.com\/nationalland.com\/blog\/wp-content\/uploads\/2017\/07\/3Color_Small_Final.png?fit=324%2C180&ssl=1","width":324,"height":180,"caption":"National Land Realty"},"image":{"@id":"https:\/\/nationalland.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/nationalland.com\/blog\/#\/schema\/person\/39e0dd0bb361da93467d0796bf0a20fe","name":"Bryce Berglund","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/nationalland.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/i0.wp.com\/nationalland.com\/blog\/wp-content\/uploads\/2022\/01\/Bryce_Square-scaled.jpg?fit=96%2C96&ssl=1","contentUrl":"https:\/\/i0.wp.com\/nationalland.com\/blog\/wp-content\/uploads\/2022\/01\/Bryce_Square-scaled.jpg?fit=96%2C96&ssl=1","caption":"Bryce Berglund"},"description":"Bryce Berglund is National Land Realty\u2019s Content Marketing Specialist. Raised in the south-central town of New Prague, MN, Bryce attended the University of Minnesota Twin Cities where he studied English and Literature before joining National Land Realty in 2021. He currently resides in St. Paul, Minnesota, and is involved in Minnesota's local music scene, frequently attending concerts around the Twin Cities in his free time.","sameAs":["https:\/\/nationalland.com\/real-estate-agent\/bryce-berglund"],"url":"https:\/\/nationalland.com\/blog\/author\/bryce-berglund\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/nationalland.com\/blog\/wp-content\/uploads\/2025\/05\/AdobeStock_1377828059-scaled.jpeg?fit=2560%2C1876&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/p7sjRT-2MN","_links":{"self":[{"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/posts\/10713"}],"collection":[{"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/users\/92"}],"replies":[{"embeddable":true,"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/comments?post=10713"}],"version-history":[{"count":2,"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/posts\/10713\/revisions"}],"predecessor-version":[{"id":10715,"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/posts\/10713\/revisions\/10715"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/media\/10723"}],"wp:attachment":[{"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/media?parent=10713"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/categories?post=10713"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nationalland.com\/blog\/wp-json\/wp\/v2\/tags?post=10713"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}