Farm Ownership Loans offer up to 100 percent financing and are a valuable resource to help farmers and ranchers purchase or enlarge family farms. Landowners must apply for an agricultural assessment, and the farmland must satisfy certain gross sales and acreage eligibility requirements.The Farm Service Agency offers loans to help farmers and ranchers get the financing they need to start, expand or maintain a family farm. United Ag Lending offers fixedrate 15 and 30year loans. We also can provide your clients with refinance, cash-out, and purchase loans. 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. The Farmers' School Property Tax Credit enables farmers to receive a tax credit from the state personal income tax or the corporation franchise tax. To qualify for an agricultural loan, you'll need to take the following steps: 1. Contact a lender (and have a good credit score). This publication explains how the federal tax laws apply to farming.