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Abstract
Farmers Home Administration (FmHA) guaranteed loans can provide borrowers with attractive conditions and terms and offer banks low risk and liquidity. Lenders should know the program's guidelines, work through county supervisors, and cultivate their relationship with the FmHA. The application process should include: 1) discussions with borrowers and the FmHA; 2) a cashflow analysis; 3) ongoing contact with the county supervisor; 4) submission of a neat, completed application; and 5) person-to-person consultations with the FmHA if the application is denied.