Farm Ownership Loans offer up to 100 percent financing and are a valuable resource to help farmers and ranchers purchase or enlarge family farms. Use USDA's online farm loan tools to find loans that might be right for you, apply for a direct loan, or make a payment on a direct loan.American AgCredit provides farm and ranch financing to producers in Colorado, Nevada, New Mexico and California. The Farm Service Agency offers loans to help farmers and ranchers get the financing they need to start, expand or maintain a family farm. This guide explores the different types of farmland loans available and how they can benefit potential buyers.