In Ag lending, experience counts.
Agriculture is important to our economy in Southern Minnesota and it makes up an important part of HomeTown Bank's lending portfolio. We serve this area with a broad array of products and services designed to meet the ever-changing needs of our customers. HomeTown Bank has employed qualified lending officers who know our farmers and understand the complexities of farming. As changes occur in agriculture, our loan officers at HomeTown Bank are able to keep up with change and provide the assistance needed in helping our customers manage change and growth. In ag lending, experience counts and our lenders have that experience.

AGRICULTURE REAL ESTATE
Our agricultural properties loan can be used to purchase farmland, refinance debt, or improve your existing property.

  • Easy-to-budget fixed payments
  • 10 to 25 year amortization
  • Secured by real estate


LIVESTOCK/MACHINERY FINANCING
Purchasing new or used machinery or ready to expand your herd? HomeTown Bank has financing available for all of your livestock and machinery needs.

  • Easy-to-budget fixed payments.
  • Pre-approved credit available when you need it.
  • Credit lines available in an amount to serve your needs and repayment ability.
  • Flexible repayment terms with interest billed monthly until permanent financing is established. (No pre-payment penalty.)
  • 3-7 year amortization.
  • Secured by livestock and machinery.

OPERATING LINES
Our operating lines allow you to borrow, repay, and re-borrow funds throughout the term of the loan. Typically used for crop inputs, repairs, feed, livestock and equipment purchases, and any other ag operating expenses.

  • Pre-approved credit available whenever you need it.
  • Credit lines available in an amount to serve your needs.
  • Able to repay and re-borrow at your convenience.
  • Flexible repayment terms with principal and interest paid monthly, semi-annually, annually or anytime (no pre-payment penalty) by maturity.