Dreaming of trading traffic on I-35 for wide-open skies and the sound of chickens in your backyard? You’re not alone. More and more San Antonio professionals are exploring hobby farming as a way to slow down, reconnect with nature, and invest in land that grows both memories and value. But if you’ve never financed rural property before, the process can feel overwhelming. That’s where New Horizons Lending can help.

Why San Antonio and the Hill Country?

The San Antonio metro is uniquely positioned for first-time landowners. Just beyond the city limits, you’ll find counties like:

● Bandera – “Cowboy Capital of the World,” perfect for small ranches and goat farms.

● Kendall – Known for rolling hills and fertile soil, ideal for vineyards or orchards.

● Wilson – Affordable acreage just southeast of San Antonio, popular for family homesteads.

● Guadalupe & Comal – Close enough for a quick city commute, but with space for chickens, gardens, or a horse or two.

These areas offer the best of both worlds: the peace of the country without sacrificing access to San Antonio's jobs and amenities.

Financing a Hobby Farm vs. a Traditional Home

Buying rural property in San Antonio and the surrounding areas isn’t quite the same as buying a home in the city. From loan types to credit requirements, the process comes with unique considerations. Here’s what first-time buyers in San Antonio and the surrounding counties should know:

Land Loans vs. Home Loans

If the property you’re eyeing is just bare land, you’ll likely need a land loan. But if it includes a home that meets basic livability standards, you may qualify for a traditional mortgage. The distinction is important and at New Horizons Lending, we can help you determine which path makes the most sense for your purchase.

Government Programs for Rural Buyers

Programs like USDA loans are designed to make rural living more accessible. In some cases, qualified buyers can secure financing with zero down payment. Our team can walk you through the eligibility requirements and help you explore whether a USDA loan is right for your property in Guadalupe, Wilson, or Comal County.

Using Home Equity for Land Purchases

Already own a home in San Antonio? You may not need a brand-new loan to get started. A cash-out refinance or home equity line of credit (HELOC) could provide the funds you need to buy acreage for your hobby farm, whether that means a few acres in Bandera or a larger parcel in Kendall County. New Horizons Lending can help you compare your options and decide if tapping into your equity is the smarter move.

Down Payment & Credit Considerations

Financing land alone can sometimes require a higher down payment and stronger credit compared to financing a standard home. But don’t let that discourage you. There are options designed to make landownership more manageable. We’ll walk you through requirements upfront so you can shop confidently and avoid surprises.

Smart Steps Before You Buy

Buying your first hobby farm is more than just finding the perfect piece of land; it’s about making smart choices that set you up for success. Here’s a deeper look at what to do before you sign:

1. Get Pre-Qualified With a Local Lender

Start by talking with a lender who understands the San Antonio market and the surrounding rural counties. At New Horizons Lending, we walk you through financing options for both land and homes with acreage. Pre-qualification not only shows you what you can afford but also helps you make faster, stronger offers in competitive areas like Kendall or Comal County.

2. Understand Zoning and Restrictions

Each county has different zoning laws that determine what you can and can’t do with your land. For example, Bandera may allow small livestock on smaller parcels, while