Beginning Farmer Loans A beginning farmer or rancher is an individual or entity who: (1) has not operated a farm or ranch for more than 10 years more than 10 years (2) meets the loan eligibility requirements of (2) meets the loan eligibility requirements of the program to which he/she is applying the program to which he/she is applying (3) for an FO loan, does not own a farm (3) for an FO loan, does not own a farm greater than 30 percent of the average greater than 30 percent of the average size farm in the county size farm in the county
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