usda property guidelines

USDA has rules about income producing properties... I do a lot of USDA loans in MN, WI, and SD - and as long as the current owner isn't selling them, then you shouldn't have any issue. Appraisal coming back more than the house being an issue? Never seen that in over 20-years of lending. www.MortgagesUnlimited.biz/usda

No. They would not be considered income producing

I haven't seen them of course but if they were planted for a windbreak and there is no history of the property selling trees, it wouldn't be expected that an appraiser would give them any value. In 20 years experience I have not seen an appraiser to give value to any type or quantity of trees.

USDA will never turn down your file because it is worth more than what you are paying. Also, if the trees haven't been part of any "for profit" agriculture and they were planted as a wind break, you will be fine. If you are not happy with your current mortgage company because they aren't answering these questions for you, I'd be glad to help with your mortgage as well. If interested, you can call me at 502-645-0102. Eddie Sexton

USDA will never turn down your file because it is worth more than what you are paying. Also, if the trees haven't been part of any "for profit" agriculture and they were planted as a wind break, you will be fine. If you are not happy with your current mortgage company because they aren't answering these questions for you, I'd be glad to help with your mortgage as well. If interested, you can call me at 502-645-0102. Eddie Sexton. I am licensed in Alabama as well

You will be fine as long as it is currently not an income producing property. Like they are selling trees on the roadside and have signs up. Otherwise I think you are going to be good to go. Also, you will have no issues if your appraisal comes in higher. The only time this would be an issue is if this was a Non-Arms Length Transaction and even then as long as you could explain it, you would be good. Best wishes, Sean