
How to Secure a Hunting Land Loan in Nebraska: A Buyer’s Guide
You’ve found the perfect Nebraska hunting property—timber-rich bottomland with a creek running through it, or maybe rolling hills dotted with food plots and deer trails. Now comes the big question: “Can I actually get a loan for this?”
Quick Answer: Yes, you can secure financing for hunting land in Nebraska. While it’s different from getting a home mortgage, several loan options exist specifically for recreational and agricultural land purchases. The key is understanding what lenders look for and working with the right team.
Most hunters assume they’ll need to pay cash, but that’s not the case. With proper preparation and the right approach, you can finance your Nebraska hunting property and start building that legacy you’ve been dreaming about.
Understanding Hunting Land Loans: The Basics
Hunting land loans aren’t your typical mortgage. When you’re buying a house, the lender knows exactly what they’re dealing with—comparable sales are easy to find, and there’s a steady market for resale. Land, especially recreational land, operates by different rules.
What Qualifies as “Hunting Land” to Lenders
From a lender’s perspective, “hunting land” usually falls into broader categories like recreational property, agricultural land, or raw land. The good news is that many Nebraska hunting properties serve multiple purposes—they might have timber value, agricultural potential, or existing farm income through CRP payments or cash rent.
How These Loans Differ from Home Mortgages

The biggest differences you’ll encounter:
- Higher down payments (typically much higher than conventional home loans)
- Variable loan terms (agricultural land loans can range from shorter terms to 30-year options, depending on the lender and property type)
- Longer closing timelines (land loans generally take significantly longer to close than home purchases)
- More complex appraisal process (land appraisals typically take longer and cost more than home appraisals)
- Stricter qualification requirements
- Higher interest rates (land loans often carry higher rates than conventional mortgages)
- More scrutiny of the property itself
Common Misconceptions
Many hunters believe they can’t get financing at all, or that they need perfect credit and substantial assets. While lenders are more conservative with land loans, they’re not impossible to obtain. Nebraska’s stable agricultural economy and strong land values actually work in your favor.
The other big misconception is that you need to find a “hunting land specialist” lender. In reality, many agricultural lenders, farm credit systems, and even some traditional banks offer recreational land financing—you just need to know how to present your case.
Types of Loans Available for Nebraska Hunting Land
- Agricultural/Farm Credit Loans: If your hunting property has agricultural potential—crop ground, pasture, or timber—you might qualify for agricultural financing through Farm Credit Services or similar lenders. These often offer the best rates and terms because the land has proven income potential. Even if you plan to hunt it primarily, having 20-30 acres of tillable ground can open doors to ag financing.
- Recreational Land Loans: Some lenders specialize in recreational properties and understand that hunting land has value beyond just agriculture. These lenders consider factors like location, wildlife habitat quality, and recreational property market trends. They’re often more flexible about properties without agricultural income.
- Raw Land Loans: Traditional banks and credit unions sometimes offer raw land financing, though terms are typically less favorable. These work best for smaller parcels or when you have a strong relationship with a local bank that knows your financial history.
- Owner Financing: Don’t overlook seller financing, especially with Nebraska landowners who’ve held property for decades. Many sellers prefer steady monthly payments over a lump sum, particularly if they’re retired farmers looking for reliable income. This can be easier to qualify for and often comes with more flexible terms.
What Nebraska Lenders Look For
- Down Payment Requirements: Expect to put down a substantial down payment—significantly more than you would for a home purchase. The exact amount depends on the property type, your credit profile, and the lender. Properties with existing income streams (like CRP payments or crop leases) sometimes qualify for lower down payments because they’re seen as less risky.
- Credit Score Expectations: Lenders prefer borrowers with good to excellent credit scores for the best rates and terms. However, don’t assume you’re out of luck with less-than-perfect credit—agricultural lenders often consider your overall financial picture, including farm experience and asset holdings.
- Debt-to-Income Ratios: Lenders want to see that you can comfortably handle the new land payment along with your existing debts. If you’re planning to generate income from the property through hunting leases or agricultural activities, some lenders will consider that projected income in their calculations.
- Proof of Income Stability: Lenders want to see consistent income over recent years. If you’re self-employed or farm part-time, be prepared to provide additional documentation. Having experience managing land or agricultural operations can strengthen your application, even if it’s not your primary income source.
Property Characteristics That Improve Approval Odds
Nebraska lenders favor properties with:
- Road access and clear legal access rights
- Water sources (wells, ponds, or streams)
- Some agricultural potential (even if it’s just hay ground)
- Existing improvements like farm buildings or hunting infrastructure
- Clean title without complicated ownership structures
Nebraska-Specific Considerations

- CRP Contracts and Financing Impact: If your hunting property has Conservation Reserve Program (CRP) ground, this can actually strengthen your loan application. CRP provides guaranteed annual income that lenders view favorably, and the habitat improvements benefit both wildlife and soil conservation. However, understand the contract terms—some have several years remaining, while others may be up for renewal soon. This affects both your financing options and long-term property management plans.
- Water Rights Matter More Than You Think: Nebraska’s water laws can impact your loan approval, especially for properties with irrigation potential or significant water features. Lenders want to ensure water rights transfer with the property and that there aren’t any disputes. A clear water rights situation can actually boost your property’s value and loan prospects. Learn more about how Lashley Land can help.
- Hunting Lease Income as Financial Support: If you plan to lease hunting rights to offset carrying costs, some lenders will consider projected lease income—but they’ll want to see comparable lease rates in your area. Nebraska’s strong hunting lease market, particularly for whitetail and waterfowl, can work in your favor if you can document realistic income potential.
- County Regulations and Zoning: Different Nebraska counties have varying regulations about recreational land use, building restrictions, and agricultural zoning. Lenders prefer properties in counties with stable, predictable regulations. Some counties are more hunting-friendly than others, which can affect both your financing and long-term enjoyment of the property.
- Seasonal Access Considerations: Nebraska weather can make some properties inaccessible during certain seasons. Lenders want to know that you can reach your property year-round for maintenance and management. Properties with all-weather road access or established field roads typically face fewer financing hurdles.
Working with the Right Team

General real estate agents often don’t understand the complexities of land financing or the factors that make Nebraska hunting properties valuable. At Lashley Land, we’ve helped countless hunters navigate the financing process because we understand both what lenders want to see and what makes a property truly valuable for hunting purposes.
A knowledgeable land broker can help you identify properties that fit your financing capabilities, connect you with lenders experienced in land deals, and ensure you’re aware of all the factors that could affect your loan approval. We’ve seen too many hunters fall in love with a property only to discover financing challenges that could have been avoided with proper guidance.
Making Your Hunting Land Investment Work
Strategic property improvements can increase both your hunting success and your land’s value. Food plots, timber management, and water source development not only attract wildlife but also demonstrate to future appraisers that you’re actively managing the property. Keep records of these investments—they contribute to your property’s appreciation.
Secure Your Dream Land Today
Securing a hunting land loan in Nebraska is absolutely achievable with the right preparation and guidance. While the process differs from traditional home financing, thousands of hunters have successfully purchased their dream properties through various loan programs.
The key is understanding what lenders want to see, choosing the right loan type for your situation, and working with professionals who know Nebraska’s land market. Don’t let financing concerns keep you from pursuing your hunting land goals—with proper planning, that perfect Nebraska hunting property can become reality sooner than you think.
Ready to explore your options? Contact Lashley Land for a free consultation about your hunting land goals. We’ll help you understand what properties fit your financing capabilities and connect you with the right lenders for your situation. With our 140+ years of combined experience in Nebraska land deals, we know how to turn your hunting land dreams into reality.