I called the Springfield, TN office & explained to the agent that we are self employed. I told her all about our family situation & what we were looking to do. I asked her if they worked with families in our situation because I knew lots of financers didn't like small business owners. She assured me that's exactly who they worked with so I did all the paperwork & sent in all our information. We have over 800 credit scores, no debt besides a small vehicle loan, a good net worth, high credit history (high amount) & a good downpayment. We have a long history with our business & have shown a steady & strong growth since the beginning. We were only asking for about $200,000 for land. A week after I sent in our info, she called to say they wouldn't give us a loan at all. I let her know I was disappointed that they weren't willing to work with a small business owner like she said they worked with. She then proceeded to tell me they normally only work with small business owners if they have a mate with a W-2 (regular job). I had been completely honest up front with her at the beginning & yet she wasn't honest with me about really needing to have a W-2 for income. Besides the fact they weren't willing to work with us to start a small farm (have that in their name & that is one of their claims), they checked our credit and it sent our score down 40 points! That is a huge amount that really affects us for getting a loan now. I feel it was very unprofessional & dishonest when I was very upfront with her. Since the time I have shared this with several people & have heard more negative things. I would definitely think twice before I contacted them for a loan. I will always recommend not using Farm Credit! read more