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Appraisal Information

  • Appraisal from a state-certified appraiser dated within the past year.
  • Approved by Mueller, Miller & Moore LLC.

Credit Criteria

  • Loan to value maximum of 65%
  • Customer should have a proforma Debt/Asset ratio of 50% or better.
  • Collateral for farms and ranches should be able to generate sufficient cash flow to service the mortgage.
  • Customer should have at least a 25% margin above all debt service and family living expenses.

Required Financial Information

  • Brief description of property.
  • Narrative of farming operations.
  • Current financial statement and the three most recent annual financial statements.
  • Signed tax returns from the last four years.
  • Machinery & equipment list.
  • Production history.
  • Income & expense projections for the next year.
  • Complete creditor list.
  • A completed and signed application.
We service agricultural clients nationwide but are most active in the 11 western states of CA, OR, WA, ID, NV, MT, WY, UT, CO, AZ and NM. Our services and resources are also available inter-nationally.

Now covering the Mid West from our office in Tampa KS. Call Andrew Hajek at 785-366-1162.