Encouragement for Young Producers and First-Time Land Buyers

Brian Reynolds

Nebraska – Kansas – South Dakota Land Specialist

Owning a piece of land has long been a cornerstone of the American dream — a symbol of freedom, independence, and a legacy to share with family and friends. However, for many young producers and first-time land buyers, the journey to land ownership can feel overwhelming, especially in today’s environment of higher interest rates, competitive markets, and significant financial hurdles. Here is some encouragement for young producers and first-time land buyers when things are tough.

It’s no secret that purchasing land can come with substantial upfront costs. Many banks require a down payment of 20%, which at current land prices can be a daunting figure. This financial barrier alone can discourage those just starting out. However, it is important to remember that while the road to landownership may not be easy, there are resources and opportunities available to help make this dream a reality.

Who can help?

Farm Credit, USDA’s Farm Service Agency (FSA), and local banks offer loans designed for first-time buyers and young producers. These programs often provide better terms, lower down payments, and guidance for new entrants to agriculture. There are also tax advantages for landowners who sell to first-time buyers, creating incentives for both sides.

One of the most important steps for any prospective land buyer is to build relationships. Engage with lenders, real estate agents, and agricultural organizations. Seek out mentors who have navigated the process themselves. These connections can provide valuable insight, encouragement, and potentially open doors to opportunities that aren’t widely advertised.

I’ve personally had to take similar steps—pushing myself beyond my comfort zone—to pursue my dream. That journey hasn’t always been easy, but the rewards of chasing that dream are truly fulfilling. There’s something incredibly powerful about being able to share that passion with others, inspiring them along the way, and hopefully gaining a sense of financial independence in the process.

Above all, don’t let outside noise or roadblocks discourage you. Land ownership requires grit, determination, and patience — but those qualities often define the best producers. Your hard work and perseverance can pay off, turning your dream of owning land into a reality. Stay focused, explore all your options, and keep pushing forward — because the reward of calling a piece of property your own is worth the journey.

Do you want to learn more?

If you’re considering buying, selling, or managing land, reach out to a local High Point Land Company Agent. For more questions visit our YouTube Knowledge Center.

Brian holds a real estate broker license in Nebraska, Kansas, and South Dakota. He is a member of the American Society of Farm Managers and Rural Appraisers and the Realtors Land Institute. His dedication to professionalism, combined with his deep knowledge of agricultural systems, makes him a trusted advisor for farm and ranch management and real estate transactions. Contact Brian at 308-380-5734 or email Brian@highpointlandcompany.com.