Waco

Loans for Outside the Waco City Limits

The city of Waco is home to one of the most unique facets of the National Park Service: the Waco Mammoth National Monument. But beyond ice age mammoth fossils, Waco boasts Baylor Bears’ athletics, the Texas Ranger Hall of Fame & Museum, and a charming, tree-dotted countryside. If you are looking for your own slice of land near an eccentric city and robust agricultural industry, the Waco area is for you. Here, AgTrust Farm Credit proudly serves the community by connecting you with the right loans for your recreational, home, farm, ranch, or agribusiness property.

Types of Waco-Area Financing

AgTrust’s Waco team has years of experience specializing in large-acreage loans to assist recreational landowners, farmers, and ranchers in financing their country homesteads. We also offer construction, livestock, and new and used equipment loans, to give clients the support they need. Explore all of our types of financing below.

• Recreational: Who says land is only for living and working? If you are seeking recreational land to call your own, AgTrust provides rural land loans toward private property, allowing you to escape to the Waco countryside.
• Country Home Loans: AgTrust offers financing to build your dream home outside the Waco city limits. Our team will help you obtain a peaceful property with several acres to yourself, as well as help finance part of the building costs for the country home you have always envisioned.
• Farm and Ranch Operations: Farming and ranching contributes to the fabric of the Waco-area community. Whether you are a seasoned farmer or rancher or part of the industry’s newest generation, we look forward to connecting you to equipment loans, livestock loans, and financing for operating capital.
• Agribusiness: AgTrust has resources for agribusinesses of all shapes and sizes. From large-scale individual producers to service providers of agricultural operations, the Waco team offers our expertise and partnership to the commercial sector. If your business is an agricultural operation, processing and marketing, or a farm-related service, you may qualify for our agribusiness loans.

Whether for living or for business, our goal is to offer land financing to all types of Waco residents. AgTrust is a customer-owned company and, as customers ourselves, we are 100 percent focused on helping you achieve your goals. View all our loan types here.

Waco-Area Loans Are Your Best Choice

AgTrust’s Waco branch holds the same mindset as all AgTrust teams across the state and beyond: your best interest is always our best interest. As a customer-owned lending cooperative, all AgTrust branches pay out a patronage dividend to eligible customer-owners.

Based on our 2023 performance, we paid a $26.7 million patronage dividend this year, the largest in AgTrust history. The all-cash distribution effectively reduced the interest rate paid by customer-owners in 2023 by an average of 1.33 percentage points. Learn more about our patronage dividend.

Deeply committed to our community, AgTrust’s Waco branch supports dozens of local businesses, youth programs, and initiatives.

• Waco Businesses & Organizations: Texas A&M AgriLife Extension Service
• Educational Institutions & Youth Programs: Valley Mills High School Baseball, Valley Mills Youth Sport, Fairfield Youth Baseball Association, Junior Livestock shows (McLennan, Coryell, Bosque, Falls, and Hill Counties)
• Community Events & Initiatives: GO TEXAN (Bosque, McLennan, and Coryell Counties), Heart O’ Texas Fair & Rodeo, Clifton Rodeo, Waco Association of REALTORS®, Inc. events, MidTex Farm & Ranch Show, Texas Reining Horse Association shows, and AgriLife Extension Service meetings

Meet Your Waco-Area Financing Specialists

The Waco team boasts 23 years combined tenure: That’s over two decades of land financing for recreational, farming and ranching, and agribusiness property. The branch is proud to be part of several professional organizations, namely the Greater Waco Chamber of Commerce, the Waco Association of REALTORS®, Inc., and the Clifton Chamber of Commerce.

Credit Office President Justin Kelly and Vice President of Lending Adam Ledlow lead the Waco team and are ready to connect you with a variety of land financing options. Contact them today about Waco-area loans for your life outside the city limits.