Thinking about expanding your farm or ranch by refinancing your debt?

Cash is king, especially if you’re eyeing additional real estate to expand your farm or ranch operations. Thinking about refinancing your debt to increase your cash flow? A USDA FSA loan may be a good fit – and yes, it may be possible to refinance existing debt with a USDA farm loan.

Farm loan interest rates continue to be low and refinancing your existing debt may be tempting. Over the past few years, farmers and ranchers have endured a wild ride with extremes in weather affecting production and may have derailed plans for expansion. As you move forward with your plans, a First Financial Bank loan with an FSA guarantee may be a good fit for farmers and ranchers looking for that extra safety net.

With an FSA Guaranteed Loan with First Financial Bank, there are:

  • Flexible payment terms
  • Fixed and variable rate options
  • Amortizations up to 25 years

And you are working with a lender who has earned the highest status awarded in 49 states: FSA Preferred Lender. What does that mean for you? You are working with a team who have demonstrated extensive experience in agricultural lending. We get it. And because we do, we can typically help you get that loan approval faster.

What are some of the requirements you need to meet to qualify? They include:

  • Be a citizen of the United States, or a legal resident alien
  • Have an acceptable credit history
  • Have the legal capacity to incur the debt
  • Be unable to obtain the loan without a guarantee
  • Not have caused FSA a loss by receiving debt forgiveness on more than 1 occasion
  • Not be delinquent on any federal debt
  • Have the ability to repay the loan
  • Provide sufficient real estate collateral for the loan
  • Be an Owner/Operator

What about you? Are you prepared to take the next steps to apply to refinance your current debt with a USDA FSA Guaranteed Loan?

Take this short quiz to help identify what you need to be ready to apply:

If a USDA FSA loan isn’t a fit, there are other options available. Let’s chat!


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