Land, Succession and Legal
Land, Succession and Legal from Colorado Rancher Loan Guide: 27 articles for readers in Colorado and beyond.
- Colorado Livestock Loans: Financing Herd Purchase, Feed, and Growth
How Colorado ranchers can finance herd purchases, feed and expansion, what lenders ask about livestock collateral, and how to match the…
- Colorado’s Beginning Farmer Loan Program: Tax-Exempt Bonds for First-Time Ranch Purchases
How tax-exempt bond programs for beginning farmers generally work, what first-time ranch buyers should ask, and where to verify Colorado's…
- Conservation Easements and Ranch Financing: What Colorado Borrowers Should Know
Learn how a conservation easement affects ranch value, lender decisions and repayment, plus the questions to ask before you sign one in…
- Financing a Ranch Purchase in Huerfano County: Land, Easements, and Lender Expectations
A buyer's checklist for financing ranch land in Huerfano County, with notes on easements, appraisals, water and what lenders expect to see.
- Financing a Ranch in Custer County: Land Loan vs. Conventional Mortgage
Compare a land loan with a conventional mortgage for a Custer County ranch purchase, including terms, down payments and what lenders need.
- Colorado’s 1.6-Million-Acre Farmland Loss and What It Means for Ranch Lending
What a reported farmland loss in Colorado could mean for land values, lenders and ranch buyers, and how to check the numbers at official…
- Using the Colorado Ag Future Loan to Purchase At-Risk Farmland
What to know about a state-backed farmland loan option in Colorado, how to check current terms with the state, and how it fits with other…
- Financing a Colorado Cow-Calf Operation: From Land to Herd
A plain guide to financing a Colorado cow-calf operation: land, cows, equipment and operating money, plus how to compare lenders and what…
- Irrigated Farmland vs. Dryland Ranching: How Loan Underwriting Differs in Colorado
How lenders underwrite irrigated farmland and dryland ranches differently in Colorado, covering water, yields, risk, appraisals and what…
- The Loan-to-Value Reality for Colorado Ranch Land: Why Appraisals Matter
How loan-to-value works on Colorado ranch land, why appraisals set your borrowing limit, and how to prepare for a gap between price and…
- Succession and Loan Assumption: Transferring a Colorado Ranch to the Next Generation
How passing a ranch to the next generation interacts with existing debt, what loan assumption means, and the conversations to have with…
- How to Finance a Ranch Purchase Without Getting Buried in Debt
How to size a ranch purchase to what the land can earn, compare lenders, and avoid common debt traps, with Colorado land and water…
- Why Your Land’s Ag Exemption Matters for Loan Appraisal
Understand how agricultural land classification, property taxes and appraisal methods affect ranch loan decisions, and how to protect your…
- The Equipment Financing Dilemma: Buy, Lease, or Borrow?
Compare buying, leasing and borrowing for ranch equipment, including cash flow, tax questions and the true cost of ownership, before you…
- How the New Tax Laws Affect Your Ranch’s Borrowing Power
Learn why tax law changes matter to lenders, how taxable income and depreciation show up in a loan package, and what to ask a tax…
- The Role of the Farm Service Agency in a Ranch Crisis
Understand how the Farm Service Agency may help ranchers after a disaster or financial crisis, and what to prepare before you call your…
- The Loan Options for Ranchers Transitioning to Regenerative Practices
Considering rotational grazing or other regenerative practices? See how financing, cost-share and lender questions fit together for…
- Financing a Ranch Purchase from a Family Member: Legal and Loan Considerations
Buying a ranch from a parent or sibling mixes love and legal paperwork. See how financing, appraisals, and tax questions work before you…
- What the New Farm Bill Means for Ranch Lending
Farm bill changes can affect ranch credit, programs and risk tools. Learn how to read the news, track legislation, and ask your lender the…
- How to Use a Loan to Install Solar or Other Energy-Efficient Upgrades
Solar pumps, efficient lighting and other energy upgrades can lower ranch costs. Learn how to price them, finance them and check programs…
- Financing a Multi-Generational Ranch: Strategies for Keeping the Land in the Family
Keeping a ranch in the family takes money, planning and honest talk. Explore financing tools, entity choices and succession steps for…
- The Loan Options for Buying a Ranch with Mineral Rights
Mineral rights can be separate from surface land and change how a ranch is valued and financed. Learn what to check before you buy and…
- How to Use a Loan to Implement a Water Conservation Project
Plan a ranch water conservation project the way a lender will: scope, savings, permits and funding sources, with Colorado water rules and…
- The Loan Options for Agritourism Ventures (Hunting Leases, Bed & Breakfasts)
Thinking about hunting leases or a ranch bed and breakfast? See how lenders view agritourism income, what to budget and who to ask in…
- How to Use a Loan to Purchase a Herd of Replacement Heifers
Buying replacement heifers is a big cash outlay. Learn how to run the numbers, structure a livestock loan and compare Colorado lenders…
- How to Finance a Ranch Purchase When You Have Student Loan Debt
Student loans can complicate a ranch loan, but they do not end the dream. Learn how lenders weigh debt, what to prepare and which options…
- Financing a Ranch Purchase with a Partner: Legal and Financial Considerations
Buying a ranch with a partner can make it affordable, but it needs written agreements and clear roles. Learn the questions to ask before…