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Up to $600,000 direct, beginning-farmer priority; 30-year term
FSA Direct Farm Ownership Loan (LAND acquisition — primary path)
Direct fit for the client's #1 stated need: 'purchase more land.' Beginning Farmer (Year 1 at location, <10 yrs) gets FSA-reserved funds and priority ranking. Down Payment sub-product is likely blocked by the 30%-of-county-avg-acres test (see Open Questions), so standard Farm Ownership is the primary lane.
PROPOSED ENTRY POINT
Schedule the pre-application meeting at the Johnson County FSA Service Center THIS WEEK. Bring FSA-2001, 3 years of Derek + Lee personal tax returns, entity docs, balance sheet, and Lyndon State Bank's current terms as evidence of rate ceiling.
TIMELINE / NEXT DECISION POINT
Completeness check within 7 days of submission. Final decision required within 60 calendar days of a complete application. Funds disbursed within 15 business days of approval.
THIS BUCKET