• available for agricultural producers to purchase land
• allows the freedom to make interest only payments over and extended period of time
• offers the freedom to prepay the mortgage with no penalty

Benefits to Members:

• Minimal payments over an extended period of time
• Improved cash flow
• No prepayment penalties-saves costs
• Ability to own land at costs similar to renting land
• Can be used to:
  • Buy land on speculation
  • Increase land base while farming
  • Keep payments low until land/farm sold
  • Purchase land with minimal payments, allowing land to be brought to maximum production overtime