If you’ve ever thought about buying a ranch, equestrian property, or large acreage in Texas, you might assume that traditional mortgage options don’t apply. However, financing for these unique properties does exist, and many buyers are surprised to learn they can qualify for loans tailored to large land purchases.
At Mortgage Mark, we specialize in more than just traditional home loans—we help buyers secure financing for ranches, equestrian properties, and large rural estates. Whether you’re in Dallas, Fort Worth, Austin, Houston, or beyond, here’s what you need to know about financing a ranch-style property in Texas.
Can You Finance a Ranch or Equestrian Property?
Yes! Financing an equestrian ranch is possible, but it’s different from a standard home mortgage. Ranch properties typically fall into one of two loan categories:
- Residential mortgage – If the property is primarily a single-family home with some land, it may qualify for conventional, FHA, or VA financing.
- Commercial or agricultural mortgage – If the property has income-producing features (such as boarding facilities, horse training, or farming operations), it may require a specialty loan through a lender that offers rural and commercial financing.
The key is working with a lender who understands which loan type best fits your situation.
How Does an Equestrian or Ranch Loan Work?
Key Factors That Affect Loan Approval
Property Type and Use
- A single-family home with land may qualify for a standard mortgage.
- A ranch or equestrian property with business operations often requires a commercial loan or a unique portfolio loan.
Loan Options and Down Payment Requirements
- Traditional mortgages typically require 5-20% down, depending on loan type.
- Larger properties or commercial/agricultural ranch loans may require a higher down payment (typically 20-30%).
Income Documentation and Financials
- Buyers of equestrian or ranch properties may need to provide detailed financial statements.
- Some loans require business financials if the property has income-generating aspects, such as horse boarding or event hosting.
Appraisal Considerations
- Large ranch properties often require specialized appraisals, which may take longer than standard home appraisals.
- If the property includes multiple buildings, barns, arenas, or large land parcels, the lender will assess how these affect the property’s value.
Buying a Ranch Before Selling Your Current Home With a Bridge Loan
Many ranch buyers already own a home and need to sell first before buying. This is where a bridge loan can help.
How a Bridge Loan Works
- Allows buyers to tap into their existing home’s equity to finance a new property before selling.
- Provides short-term financing to help secure a ranch property while waiting for their current home to sell.
- Can be used in combination with other financing options.
For Texas buyers, the Mortgage Mark Team offers multiple bridge loan options, making it easier to transition from a traditional home to a large equestrian or ranch-style property.
What to Expect When Financing a Ranch or Equestrian Property
If you’re considering purchasing a large ranch or equestrian estate in Texas, here’s what you should be prepared for:
- A larger down payment may be required (especially for non-traditional loans).
- The loan approval process may take longer due to specialized underwriting and appraisals.
- If using a commercial or brokered loan, different financial requirements may apply.
- The lender will assess whether the property is for personal use, commercial purposes, or both.
Pro Tip: Many buyers refinance their existing mortgage into a conventional loan before purchasing a ranch to free up financing options.
How to Get Started
Financing a ranch, equestrian property, or large acreage in Texas is possible, but choosing the right lender is key.
At Mortgage Mark, we offer:
- Specialized financing solutions for large properties
- Multiple bridge loan options for buyers transitioning from one home to another
- Guidance on whether a residential, commercial, or specialty loan is the best fit
If you’re considering purchasing a ranch or equestrian property in Texas, reach out to the Mortgage Mark team today. We’ll help you explore all available loan options and find the best financing solution for your unique property.
Have questions? Connect with our team and start planning your move today.
Mark Pfeiffer
Regional Sales Manager
Loan Officer, NMLS # 729612
(972) 829-8639
MortgageMark@MortgageMark.com
Mortgage Mark
When you're hearing from 'Mortgage Mark' you're hearing years of excellent customer service and success from our passionate loan officers.