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Tractor Talk Discussion Forum

Re: crash course on land buying (long post)

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Author  [Modern View]
NY 986

12-12-2012 08:13:37
67.142.178.21



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A lot of good suggestions here. My feeling is do not get your hopes up with FSA other than guaranteeing a commercial loan which is in some ways better. I can not speak to other parts of the US but I hear of very few people getting FSA starter loans where I am at. The other thing is that if the Feds reduce their role in commercial agriculture it may be better to have the commercial loan now instead of getting a letter in the mail at some point in the future stating the government is getting out of ag lending and then have to look for a new loan possibly in a very bad economy. As far as education or career goes you may have to set aside dreams (not related to the land) to insure you wind up in a high income field. Anybody getting loans that is not established in farming are getting them because they have exceptional income. This may mean working at something that may not personally suit you and may limit the time to enjoy your acquisition as you will need to be elsewhere quite a bit. I might have been well advised (if I took it) to do this while I was young versus struggling mightily now with mediocre income. Of course who could say back thirty years ago things would have nosed down to the extreme they have locally. Just one person's opinion. Try to stay optimistic.

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