Land Loans and Financing Options
Finance your Nebraska land purchase with confidence.
Buying land starts with the right financing. Lashley Land helps buyers compare loan types, understand what lenders expect, and connect with trusted financial institutions across Nebraska. The goal might be a future primary residence, family farm, or recreational property, and the right loan looks different for each.
How to Finance a Land Purchase in Nebraska
Buying land works differently than buying a house, and it usually takes more preparation. A traditional mortgage rarely applies to vacant or undeveloped land, so most buyers turn to a dedicated land loan, seller financing, or a home equity loan instead. Lenders also expect more up front, including a strong credit score, a larger down payment, and a clear plan for how you intend to use the ground.
Lashley Land has spent more than 40 years helping buyers finance real estate across Nebraska. We work with local banks and credit unions that offer flexible terms, and an existing relationship there can help your approval. We also connect buyers with specialty land lenders whose programs fit raw, recreational, and agricultural ground. We walk you through the application process, including upfront costs like origination fees, surveys, and appraisals, so you know what to expect before you apply.
Why Work With Lashley Land
Lending Connections Across Nebraska
As a farm and ranch brokerage with more than 40 years in the market, we have built trusted relationships with local and regional lenders who offer competitive rates and flexible terms for Nebraska buyers. We can recommend a financial institution that specializes in farm credit, rural financing, or long-term land loans, including options for unique property types like unimproved land.
In-House Agricultural Lending Experience
Skip Marland has underwritten agricultural loans across Nebraska since 1975, including real estate financing for vacant land, undeveloped land, and properties valued at over $1,000,000. His experience with trusts, 1031 exchanges, and complex financing structures gives Lashley Land clients an advantage most brokerages cannot match.
Guidance Through Every Step
We live and work in Nebraska, and we understand the real value of rural property. Our brokers help you evaluate the land, connect with the right loan officer, and get pre-approved so you know your loan amount and expected monthly payment before your property search begins. You get honest advice grounded in integrity and long-term relationships.
Types of Land Loans
- Raw Land Loans
- Unimproved Land Loans
- Improved Land and Lot Loans
- Construction Loans
Raw Land Loans
Unimproved Land Loans
Improved Land and Lot Loans
Construction Loans
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Areas We Serve Across Nebraska
Broken Bow & Custer County
Lake McConaughy & Keith County
Norfolk & the Elkhorn River Valley
Beatrice & Southeast Nebraska
Republican River Valley
Testimonials
What Our Customers Say
Fionn Downhill
“Lashley Land were an excelent choice to help us naviagte the North Platte real estate market. We are from out of town and their diligence and service was greatly appreciated. They took care of everything for us and it was hassle free. ”
Jason Gibbs
“These folks know their stuff! From residential to farm, ranch, even recreational properties, Lashley Land is there for you with personalized service. ”
Jill Pelster
“Jordan Maassen was extremely helpful in getting our acreage sold. Lashley Land created a wonderful brochure of our property and did a great job of reaching potential buyers… ”
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Contact Lashley Land
Land financing takes preparation, and the right team makes it manageable. Lashley Land connects Nebraska buyers with trusted lenders and honest guidance at every step.
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FAQ
Frequently Asked Questions
Can I deduct expenses on my land?
Often, yes. If your land is used for business or rented out, costs like upkeep, improvements, and management may be deductible, lowering your taxable income. The rules depend on how the property is used, so a tax professional should confirm what applies.
What is the biggest tax advantage of owning land?
For many buyers, it is the long-term capital gains treatment. Hold your land for more than a year, and a future sale may be taxed at a lower rate. Pair that with a 1031 exchange, and you can reinvest the proceeds without paying the tax right away.
Who determines the taxable value of my land?
In Nebraska, real estate taxes on land are handled at the county level. The county assessor sets your land’s market value each year. That value, multiplied by the combined tax rate of your local taxing entities, produces the amount on your tax statement. Agricultural-use land is often valued differently, lowering the total. Businesses that own equipment also file a separate personal property tax return with the assessor’s office.
What is the Nebraska property tax credit?
Nebraska offers a refundable income tax credit that returns part of the school and community college property taxes you pay on your land. Claim it on your state income tax return, and it comes back to you even if it is larger than the tax you owe. The Nebraska Department of Revenue administers the program, and your county assessor can confirm the property taxes paid on your parcel.
What happens if my property taxes go unpaid, and what relief is available?
If a bill goes unpaid, delinquent taxes accrue interest and can lead to a public tax sale conducted by the county, so staying current on your tax payments matters. On the relief side, the Nebraska homestead exemption lowers property taxes for qualifying owners, and a separate refundable credit returns part of the school property taxes you pay. Your county assessor and the Nebraska Department of Revenue are good sources for current tax information.
Should I consult a tax professional before buying land?
Yes. Every buyer’s picture is different, and a tax advisor can show how a purchase affects your income, deductions, and long-term plan. Lashley Land can point you toward the right questions and connect land strategy with your financial goals.
Team
Meet the team!
Michael G. Lashley
Michael G. Lashley is the Owner/Broker of Lashley Land and Recreational Brokers, Inc., and has over 37 years of real…
Amy Lashley-Johnston
Amy Lashley-Johnston is the Vice President/Marketing Director for Lashley Land and is also a licensed real…
Scott Saults
Scott Saults is a Real Estate Associate Broker of Lashley Land and Recreational Brokers, Inc. Growing up in…
Skip Marland
Skip Marland is a licensed Real Estate Associate Broker with Lashley Land and Recreational Brokers, Inc. with over 40…