The program provides low interest loans to farmers and ranchers for projects which meet the conservation and pollution control goals of the program. 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.FSA's "Beginning Farmer" direct and guaranteed loan programs. Farm Ownership loans can provide access to land and capital. Farm Ownership Loans offer up to 100 percent financing and are a valuable resource to help farmers and ranchers purchase or enlarge family farms. If you are looking to purchase land for farming, here are some tips to get started. Understand Your Needs. Thinking of buying land? Here is a comprehensive guide on the basics of land loans and how you can finance your purchase.