My home is zoned agriculture

How many acres is it? If it's less than 2.5 then you might have options with FHA or USDA. Otherwise you might be able to get a FmHA loan (Farmers Home Admin.) or, perhaps a local bank that will do it under their portfolio. You might consider gettting rezoned as well.

What you have is considered a "Hobby Farm", and there are conventional lenders out there that will allow this type of transaction... You need to ask about this upfront so you don't waste your time applying... If you re-zone, then you lose out on the write-offs, and it's possible as Paul Johnson stated, you could be liable for back taxes, so be careful...I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

I am a mortgage broker in MD and I have one lender that would consider the property/situation you describe. However, I would need more information before determining if the overall transaction is doable. To discuss your situation, please call me at 804-677-8588. Lynn Kinsel, Patriot Mortgage Corporation, Laurel, MD. NMLS#259819 licensed in VA, MD & DC.