Look at the large picture. The higher the risk, the higher the reward must be for someone to lend money regardless of whom it is.That way if someone in that pool of borrowers defaults, the lender has some chance of staying in business and keeping the bank examiners happy.Chances are, if you keep your payments on time they may give you a new loan in a few years. Have you tried at Farm Credit Services? Right now bankers are VERY conservative because of this sub prime fiasco.Trouble is they are two or three years too late in tightening down the loan requirements. Then the builders would have pulled in their horns and not overbuilt the demand for new houses.There is enough guilt to go all around in this mess.
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Today's Featured Article - New Life for an Old Allis - by Tyler Woods. My friend Jon, has an old '39 Allis Chalmers B. He thought it a marginal tractor that had long since served its time. She smoked terribly and never had much power but he couldn't afford another so he was limping along with what he had. Jon's Allis has a small front loader and though it doesn't carry much, it serves his needs. It was the hard starting and low power that made him think it was time to replace the old girl. Jon called me to help him discover why his tractor wouldn't start
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