Farm and Ranch Program

We support California agriculture! Loans for agriculture-zoned land (land, buildings, equipment, fixtures) and hobby farms.

Under our unique Hobby Farm Home Loan Program, homebuyers are eligible for up to $1.5 million to finance a purchase of a “Hobby Farm”, which is defined as a primary residence, but can be rental capable of some sustained agricultural production.

Central Coast Lending’s Farm and Ranch Program gives buyers up to $50 million to make farm and ranch purchases (land, buildings, equipment fixtures) to support agricultural production.


The Hobby Farm Home Loan Program is perfect for buyers who want to finance a purchase of a home on land with farm production capacity, while still relying on off-farm means for the majority of their income. Can use property income for qualifying.

Property qualifications are as follows:

  • Single family, detached residence
  • Owner occupied, primary residence, or investment with or without home
  • Must be “Hobby Farm” – defined as property with at least five acres of land with agriculture production capability OR used to produce gross annual income of at least $5,000.

The Hobby Farm Home Loan Program is eligible for financing investment properties, second homes, lot purchases, or townhouses.

Borrowers qualify with a credit score of 700 and a history clean of major negative credit events (bankruptcies, foreclosures, short sales).

General loan qualifications are as follows:

  • Minimum credit score of 680

Down payment requirements vary based on the loan amount:

  • 30%: $5 million
  • 40%: $50 million

To complete the loan, the property must meet several additional requirements, including zoning, environmental, dwelling, and crop-type qualifications.

The Hobby Farm Home Loan Program also offers these nifty options for borrowers:

  • Purchase / Refinance Combo: Borrower can pay off existing liens while accessing funds to purchase additional land.
  • Cash-Out Refinance: Proceeds must be used for property improvement or refinance of primary home.

Central Coast Lending’s Farm and Ranch Program gives buyers financing capacity of up to $50 million to purchase parcels of land to use for agricultural production. Under the program, financing is also available for buildings, fixtures, equipment, and facilities (dairies, feedlots, storage units or processors) that are attached to the land.

Property qualifications are as follows:

  • Agriculture-zoned land (capable of producing agricultural commodities or products)
  • Minimum of five acres, no maximum acreage BUT if property is less than five acres, must produce over $5,000 in annual gross sales of agricultural products.

Eligible borrowers must be U.S. citizens or permanent residents with a minimum credit score of 680. Private corporations or partnerships are also eligible, providing members, stockholders, or partners with majority stakes are citizens or lawful permanent residence.

The loan-to-value (LTV) ratio describes the maximum eligible loan relative to the total value of the property. Maximum LTV options for the Farm and Ranch Program include:

  • 70%: Land loans up to $5.0 million:
  • 60%: Land loans exceeding $5.0 million:
  • 65%: Facilities loans (dairies, feedlots, storage units or processors):

The mortgage rate can be structured as either fixed (for a term 7, 10, 15, 20, 25, or 30 years) or adjustable (5-year Adjustable Rate Mortgage, 7/1, 10/1). ARMs offer a fixed mortgage rate for a preset amount of years, before resetting to a sliding rate that adjusts based on a market index.

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From our Clients:

“Good explanation of process and forms. Always kept up-to-date during the loan processing.”
Anthony and Kathleen Toscano, Morro Bay
“Communication through telephone and emails was excellent with updates…”
R. David and Helen Cantu, Atascadero
“The speed and ease of communication… always flexible to accommodate our schedule.”
Berkeley and Meghan Lindt, San Luis Obispo
“Our transaction was complex due to various family entities. It was difficult but successful. Great job!”
Donald and Elisa Cameron, Cambria
“This was a painless process and you succeeded where conventional banks failed me.”
Susan Manbeian, Cambria



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Central Coast Lending Reach

We offer home loans / mortgages to the Central Coast and the entire state of California, including:

San Luis Obispo County:

Arroyo Grande, Atascadero, Avila Beach, Cambria, Cayucos, Creston, Grover Beach, Los Osos, Morro Bay, Nipomo, Oceano, Paso Robles, Pismo Beach, San Luis Obispo, San Miguel, San Simeon, Santa Margarita, Shandon, Templeton, and surrounding cities.

Santa Barbara County:

Buellton, Carpinteria, Goleta, Guadalupe, Hollister Ranch, Isla Vista, Lompoc, Los Alamos, Los Olivos, Mission Hills, Montecito, Orcutt, Santa Barbara, Santa Maria, Santa Ynez, Solvang, Cayuma, Vandenberg Village, Garey, Summerland,  and surrounding cities.

Kern County:

Bakersfield, Delano, Arvin, California City, McFarland, Ridgecrest, Maricopa, Taft, Oildale, Lamont, Rosamond, Rosedale, Greenfield, Shafter Lost Hills, Wasco, Bear Valley Springs, Boron, Frazier Park, Wofford Heights, Weedpatch, and surrounding cities.

Monterey County:

Carmel, Del Rey Oaks, Gonzales, Greenfield, King City, Marina, Monterey, Pacific Grove, Salinas, Sand City, Seaside, Soledad, Bradley, Castroville, Chualar, Las Lomas, Lockwood, Moss Landing, Elkhorn, San Ardo, San Lucas, Prunedale, Pajaro, and surrounding cities.

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Our quarterly reports on the Central Coast real estate market feature data on sales, pricing, foreclosures, and more.