Advantages of Capital Farm CreditBenefits of Doing Business with usFinancial strength- Texas’ largest rural lender, with nearly 70 offices across 192 counties

Cooperative business structure- member-borrower owned

Members share in annual earnings through Patronage Dividend Program- effectively lowering cost of borrowing

Experienced rural appraisal staff

Local loan servicing program- rate conversions, reamortization and partial release

Variety of Loan ProgramsLand purchase or refinance- ranching, farming, hunting and other recreation

Construction- homes, barns and barndominiums

Land improvements- fencing, roads and wells

Homes on acreage or in town

Rural homesites- unimproved small acreage tracts

Livestock, equipment and ag operating expenses

Competitive Rate Products and RequirementsCompetitive interest rates- fixed and variable

Amortization periods to fit cash flow

Minimal fees

No prepayment penalty

Typically 20 percent down payment on real estate (cash or equity)

*General land loan requirements. Lending regulations may alter requirements for each loan transaction.

NEW BRAUNFELS OFFICEJ Boyd Vaughan | 830.400.9108NMLS1205922

capitalfarmcredit.comNMLS493828