May 16, 2025 • 57 mins
The path to land ownership is filled with financial hurdles—but what if the real problem isn't the price of land, but how you're trying to finance it?
In this episode of The American Land Seller, we’re joined by Roger Wiese, an agricultural lending specialist with MAC America Ag Financing, who lays out a smarter, more accessible way to fund farmland, ranches, and rural properties. Based in Nebraska’s cattle country, Roger brings a relationship-first approach that flips the traditional bank model on its head.
MAC America operates without the overhead and red tape of brick-and-mortar banks. Instead, their team works directly with Farmer Mac, FSA, and private capital pools to deliver long-term, fixed-rate solutions—often with no prepayment penalties and less friction for the borrower.
In this episode, Roger unpacks:
• Why updating your balance sheet quarterly puts you ahead when the right property hits the market
• How beginning farmers can tap into government-backed financing
• Why refinancing with MAC America can give producers a 30-year runway
• How early preparation helps you strike when opportunity knocks
• What most buyers regret—and how to avoid the same mistake
Roger also shares the emotional side of lending: families discovering financing options they never knew existed, and what happens when someone finally picks up the phone and realizes they can afford the land they’ve dreamed about.
📞 Connect with Roger directly: 402-340-3086 or rwiese@aglandfinance.com
🌐 Learn more at: https://www.aglandfinance.com
Whether you're buying your first 80 acres or refinancing 8,000, this conversation will change the way you think about land financing.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
Today on the American Land Seller, we're pulling back
the curtain on a process everyland buyer should understand how
agriculture land loans reallywork and how to get an edge when
it comes to financing.
Joining me is Roger Wiese, along-time Nebraska leader and
now a key member of the lendingteam at MAC America, a company
(00:25):
specializing in long-termfixed-rate financing for farmers
, ranchers and land investorsacross the country.
Roger spent decades buildingsystems and leading
organizations in the publichealth world.
Now he brings that same levelof structure and strategy to
agriculture lending At MacAmerica.
He helps clients navigate theloan process from start to
(00:47):
finish, offering access tofunding sources that most banks
can't touch, including FarmerMac, fsa and private capital
pools.
In this episode, roger walks usthrough the step-by-step
process of securing a land loan,how Mac America structures
deals differently thantraditional banks, and what we
all need to know to help get ourloans approved and funded
(01:10):
faster.
If you've ever hit a financingwall with a traditional lender
or just want to understandwhat's really possible outside
the box of conventional aglending, roger's insight is
going to be invaluable.
Speaker 2 (01:24):
Welcome to the American Land Seller podcast
with your host, coby Rickardson.
Coby is an accredited landconsultant and multi-state land
broker with High Point LandCompany.
Join us each week as we exploreall things land.
We bring you fresh insights andexpert guests on sales,
marketing, regulations,economics and so much more.
(01:44):
Visit wwwamericanlandsellercomand find us on one of your
favorite podcast platforms.
Speaker 3 (01:52):
Okay, Kobe and our special guests, let's get
started.
Speaker 1 (01:56):
Hey everybody, Welcome back to the American
Landseller Podcast.
Super excited today to haveRoger Wiese from Mac America Ag
Financing.
Roger, how are you on thisFriday?
Speaker 4 (02:12):
Kobe, I'm living the dream.
Speaker 3 (02:14):
Everything is good you are.
Speaker 4 (02:17):
Hey would be living the dream a little better if we
got a little bit more water.
Everybody wants more water,that's for sure.
If we got a little bit morewater.
Everybody wants more water,that's for sure.
But you know, we certainly areexperiencing at least some nice
weather, some good weather forplanting, and did not have an
overly rough winter for cattleor anything.
So yeah, everything's lookingpretty good so far.
(02:38):
Just need some moisture in theground.
Speaker 1 (02:40):
Yeah, definitely a little bit of drought going on
in our part of the country herein Nebraska.
Roger, you're from O'Neill,nebraska.
Tell people a little bit aboutyour part of the state of
Nebraska.
I'm from kind of south central.
You're from kind of thenorthern part, so what's going
on in O'Neill?
Speaker 4 (02:58):
Well, you know, as far as around O'Neill, we're
kind of in a unique area, Iguess in the state of Nebraska,
just shy of the South Dakotaborder, about a couple stone
throws at 30, 35 miles.
There, kind of coming up Cobyfrom where you know, maybe going
(03:23):
down by Albion and such likethat, where it seems like we
kind of split, where a certainportion of the land up here
tends to be crop land and such,but then boom, all of a sudden
you just kind of start to switchto the cattle and pasture land
and stuff like that.
So it's really kind of a uniquearea.
It's really kind of a uniquearea.
(03:49):
I grew up, born and raisedaround Lindsay, nebraska, born
in the old Newman Grove Hospitalso which no longer is
necessarily there, and born on afarm just south of Lindsay,
south and west just a smidgen,and then also raised around
Columbus area and such like that.
So yeah, just a little bitdifferent.
Everything there around theLindsay, cornley, humphrey area
(04:11):
is all farmland for the mostpart and stuff, and so this is a
little bit different.
Moved up here about almost 25years ago now when I married my
beautiful bride.
25 years ago now when I marriedmy beautiful bride and we have
eight children, and her familyare farmers and ranchers around
(04:32):
the Page area.
Page, nebraska, just a littlebit 18 miles east of O'Neill, so
this is kind of where we'vesettled and yeah, so, irish
capital of Nebraska, and here weare.
Speaker 1 (04:47):
That's what I've heard.
It's the Irish capital ofNebraska.
I've been to O'Neill quite afew times in my years.
Beautiful part of the countryup there.
Now I haven't been up there fora while.
I used to have a verysuccessful tomato greenhouse.
Is that still in operation upthere, kind of right outside of
(05:09):
town?
Speaker 4 (05:10):
Yeah, I guess, to my understanding, probably not in
full operation.
It kind of went throughdifferent management and
different owners, I believe,here and there off and on and on
(05:33):
.
So right now I believe they'relooking for a little bit more
transition to try to make itmore active and more developed
and such like that, but myunderstanding is it's definitely
not in full operation.
There may be segments of it are, but it's a big building and I
know when it was operating itwas pretty cool.
Speaker 1 (05:49):
Yeah, years ago I had the opportunity back when I was
in full swing to take a tour ofthat and that was pretty
amazing.
Speaker 4 (05:54):
Oh yeah.
Yeah really neat operation.
How those work yeah.
Speaker 1 (06:02):
Roger, so let's start getting into.
I wanted to have you on todayto talk just a little bit about.
I know, if you listen to themedia, talk to the news.
Of course the sky is falling,the world's coming to an end.
That's the way everybodyperceives everything.
I've made my point.
(06:23):
I wrote an article for theRealtors Land Institute recently
, a blog post and an article forthe Terra Firma magazine, kind
of about maybe the world isn'tquite as bad as we thought it
was.
You know, from going to theland conference, talking to the
land sellers around the country,my takeaway from those guys is
(06:44):
maybe they're going to have justas good a year, if not a better
year, than they had last yearis kind of what they're looking
at.
Um, what are you seeing asyou're dealing with your clients
around the Midwest?
Cause you don't work just inNebraska, correct?
You work all over, kind of, inthe Midwest area.
Um is the sky falling?
Is the world coming to an endor are we just kind of at a
(07:05):
maybe, a you know plateau wherewe're maybe taking a break?
And you know the world, youknow like land prices aren't
continually going crazy and upand up and up.
Yeah, what are you seeing fromyour chair?
Speaker 4 (07:20):
I think from the optimist's standpoint of view or
something like that, looking atthings in a positive notion,
the world is never falling.
It's just there's some rainydays and there's some sunny days
.
I suppose when you look back atthings over and over and over.
(07:57):
I'll kind of regress just alittle bit to Warren Buffett.
Just had his large annual andso shareholders meeting excuse
me, in Omaha there beginning ofMay and I did not attend this
year, but I listened to a lot ofthem and I know Warren isn't
really big into as far asagricultural investments and
such like that, but they do haveBerkshire Hathaway real estate
(08:19):
and such and I know they do notonly residential but they expand
a little bit more with that.
But anyway, just listening toWarren, one of the things I know
when he was saying and he'sbeen an investor a long time and
it seems like every three, fiveyears of something, some major
(08:41):
event, whether it's nature orwhether it's political or
whether it's economic, therewill always be the sky is
falling.
You know, from his standpointhe just really looks at that.
As you know, those are alwaysopportunities and there's always
(09:01):
going to be growth.
As an example, when he refersas the stock market.
It's going to continue to grow.
It's going to continue to grow.
It's going to continue to grow.
The US economy is strong.
I think that, from what I seeand I would say from those that
just hold a very positiveviewpoint, I would say from
(09:23):
those that just hold a verypositive viewpoint probably
coming out of the early 2000swith COVID and such like that, I
think, may have just reallythrown a lot of things in an
upheaval here and there.
I think it led to a lot of thatmind uncertainty.
You know where are things going, what's next?
But there's still a lot ofpositives that are flowing, and
(09:48):
whether that be opportunitiesfor for land sales that may be
in close proximity to somebody,or you know example would be
looking at the cattle industryright now.
Where things are going, I'm notcertain.
A lot of people predicted that,maybe five, seven years ago.
(10:10):
Maybe they did, I don't know,but you know things are looking
good in that regard.
So I always want to take thepositive standpoint that I'm
just not certain that the sky isfalling anymore now than when
it did 10 years ago, 20 yearsago, 30 years ago or et cetera.
(10:32):
So that's probably the stancethat I take and I think the
media and other folks may saythe sky is falling.
I think if you go to the coffeeshop and you talk with folks,
you know if you and I were tosit down and have coffee with
some farmers and ranchers, theyhave questions, but I think
there's still a lot of goodvibes that they have about the
(10:57):
year and such like that.
Speaker 1 (10:59):
Well, I think there's no doubt, if you're a producer,
that so yeah, well, I thinkthere's no doubt, if you're a
producer, that you know there'snot a whole lot of you know
daylight between where commoditypricing is and where your input
costs are, and so that's youknow, and this is another year
of that, and so without a lot ofrelief there, I think there's a
(11:24):
lot of guys that aren't supercheery about it.
But the guys that I, you know,like, I think, the guys that I
know, and the guys that I talkto on a regular basis, they kind
of build that into theirbusiness model, knowing that
that's kind of the seven toeight years you know business
structure is that they have upsand downs and and they kind of
you know that's why they don't,um, spend all their money in the
good times, because they haveto cycle that back around to
(11:47):
when the market returns to alittle bit more modest market.
Speaker 4 (11:57):
And I'd say that's a very good point.
And you mentioned input costs.
Quite honestly, aren't inputcosts right now pretty much just
affecting everybody?
I mean, whether you're aproducer and it's your own
business, you have to includethose input costs and over the
(12:21):
last four years you've seen themincrease dramatically.
I know, just even thinking froma non-business standpoint,
having four or five vehiclesaround the house with the kids
and stuff and wanting to changeoil on them at home, as an
example, I mean I think doing itmyself it costs double, if not
(12:43):
more than double, than it didjust five years ago, and I think
that's really hard for peopleto grasp and understand.
And if there's anything thatkind of would lend me to believe
(13:08):
that for business purposes aswell, but quite honestly, even
just for family living, right,they all still have the regular
increases in pricing of justdaily living, like everybody
(13:30):
else has, and the inputs I thinkare just overall.
It can be a struggle for a lotof folks trying to blend that in
.
Yeah.
Speaker 1 (13:40):
Coming at them from everywhere.
It is yeah Well, hey, let'stake a quick break, um, and we
will be right back.
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Join us today and experiencethe expertise of Land Hub's land
(14:01):
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All right, we are back herewith Roger Wiese with Mac
(14:26):
America Ag Financing today, andyou can find all kinds of fun
stuff about Mac America AgFinancing at aglandfinancecom.
Correct, roger?
Am I correct in that?
Speaker 4 (14:40):
That is correct, and I believe the website is getting
upgraded a little bit herepretty soon, if not already.
Speaker 1 (14:47):
So yeah, please you guys' home base is not Mars or
anything, it's like right herein Nebraska.
Speaker 4 (14:53):
Is that correct?
That's right, we're a littleunique because we're Mac America
is not necessarily in a brickand mortar building.
So we're like, for instance,I'm an independent finance
advisor, an officer with that,but I work out of my home.
(15:18):
Or, as you, kobe, we're goingto work a lot on the four wheels
on the road right, so you knowyour main office may have that
windshield in front of you, soto speak.
So that's nice.
So, yes, I'm out of my homeoffice and vehicle and our
(15:41):
president, steve McGuire,basically, is the same, so kind
of doesn't function a whole lotdifferent than myself, I guess.
For the most part he is out ofthe David City area and Justin
Grotelushin, the vice presidentthere, is out of the Duncan
(16:02):
Nebraska area.
So home office throughoutNebraska, I guess.
So home office throughoutNebraska, I guess.
But we also have someindependent agents scattered
around throughout the Midwest,up to Indiana, illinois, even
Montana, but we are all, I guess, licensed, certified, however
you want to say it, to be ableto go in all the states.
(16:24):
So I'll have clients in anumber of states, not just
Nebraska.
So that's a nice aspect.
I kind of like it.
I really like to learn aboutthose other areas, you know
Missouri and Colorado and stufflike that because you just get
so ingrained to kind of knowingwhat it's like here in Nebraska.
But it's really interesting toknow what logistics other
(16:48):
producers are facing in otherareas.
Speaker 1 (16:53):
So yeah, I think it's interesting you talk about that
.
I just went to a conferencelast week in Colorado and as I
was going down there, I have aclient down in like down in the
Ordway Sugar City Colorado areawent down and drove around,
spent a couple hours down therewith him looking around and we
(17:14):
drove down a stretch of highwayin the Colorado where on one
side was enormous cattlefacility this feeding facility
and on the other side of thehighway is a bunch of marijuana
grow buildings, you know, likegreenhouses, and I thought to
(17:35):
myself for the first time inprobably a long time the cattle
side was probably worth way morethan the marijuana grow side
was more than the marijuanagrows, you know the world may be
coming back to Jesus, whetherwe
like it or not, but so, anyway,let's talk just a little bit
about how does someone, likesomeone's, looking at buying
(18:08):
some land.
Roger, what do we need to startconsidering?
Right, so I've got cow-calfoperation.
We need some more pastureground, whether because of the
weather or because we're growing.
We're looking at some landBefore we come to you or when
we're coming to you.
What do we need to get togetheras far as, maybe, financials?
Maybe what are you going to belooking at when qualifying us?
(18:31):
And then, maybe what kind ofthings about the land are you
going to be looking at as far asvalues and things like that?
Let's kind of go through thatprocess.
Speaker 4 (18:42):
Okay, yeah, a little bit.
You know, one of the thingswe'd like to start folks on is
first kind of going through ourExpress application, and I'll
get into that a little bit.
But the Express application is,well, it's what it is.
It's an Express applicationthinking of it being pretty fast
(19:05):
, pretty quick, with a veryquick turnaround within 24 to 48
hours, lots of times, with loanapplications up to $5 million
or so, and we'll get.
(19:29):
We'll get some producers thatare maybe just touching, getting
their feet in the water, some,some younger folks or middle
aged folks or, or you know,really looking at expanding an
operation and such like that.
Just say, to start off, one ofthe very first things we're
going to look at is, you know,number one we're not going to
(19:52):
look at the land or anythingthat the individual has, but we
really want to be able to get afew things addressed, and that's
personally I like to reallyinvolve myself with the client
and what their goals are, whattheir business plan goals are
Currently.
What are they doing, what wouldthey like to be doing?
(20:16):
What would they like to bereaching for, whether they have
50 cow-calf pair right now, 50head, or they're looking at
expanding to 100, or maybethey're just looking at they've
been renting pasture land, theywant to look at purchasing
pasture land or whatever thatmay be.
But to be able to get to thatpoint and to really be able to
(20:39):
have what would be like yourfinances, your debt to asset
ratio and stuff in order, so Ithink a lot of that really just
kind of revolves around thebalance sheet right For most
anybody.
You know your checkbook andyour assets and debt.
(21:00):
So being able to really have anadequate balance sheet that is,
relatively speaking, up to date, that is caught up.
Some producers that I've beenworking with recently they may
bring me a balance sheet and say, well, yep, we've had that
caught up for the.
That's almost 18 months ago orso and then all of a sudden
(21:24):
which is fine but then you'regoing through a certain
logistics of the balance sheetand it may not include that they
just sold X equipment or theyhave recently acquired and put
(21:44):
up a couple of grain storagebins or whatever it might be.
So what do they truly have ontheir balance sheet?
And trying to keep it up todate, an up-to-date balance
(22:05):
sheet, updated every three tosix months at least, just making
sure that you're taking thatsnapshot picture of it so that
you know what is on your balancesheet and if anything is out of
order, if it needs to beupdated or not, and then to have
(22:26):
them so they're available.
It's always nice to be able tohave them available electronic
copy, so that can be eitheryourself, kobe you could just
say, roger, here you go, I'mgoing to email it to you or
maybe somebody else has thatbalance sheet that you may be
working with, whether that be afinance institution or whatever
(22:51):
it may be, but to be able tohave access to that balance
sheet and have it yourself, Ithink is very important.
Of course we'll take hard copies, but it's nice to always have
those to where they can eitherbe emailed or we can send a
secure file and it can be put inthat drop box.
You know that's that's kind ofthe secure system now, so that
(23:13):
can be uploaded on our end butbe able to talk with the
individual about the balancesheet and just make sure
everything is updated.
For the most part, I meanthat's that's one of the areas
that I that, I believe, is is agreat starting point and I think
you talked about, you know,kind of maybe even a first time
(23:36):
producer or somebody gettingtheir feet wet and stuff like
that.
I also guess I would encourageyou know, to never underestimate
looking at FSA loans throughthe USDA and even how those can
complement an existing loan oran additional loan like through
(24:01):
Mac America, with what we can dofixed loan, whether it be 20
years, 30 years or whatever withwith uh uh, an agency like Mac
America and see how those cancompliment um, compliment the
(24:23):
producer and uh uh yeah justkind of be able to balance that
out a little bit, Um, and to seewhat your option let me
interrupt you just once, rightthere.
Speaker 1 (24:34):
Let's say, like somebody listened to this, your
option.
Let me interrupt you just once,right there.
Let's say, like somebodylistened to this might not
understand what that fsa is like.
Just, can you just just take 30seconds or something and just
kind of, or a minute and kind ofexplain like fsa for you know,
like that's, that's a governmentagency that help you know that
is an asset to or or I don'tknow, the government agency
(24:55):
being an asset is kind of anoxymoron, but it can be an asset
to somebody that maybe is afirst-time farmer or you know,
or correct.
You know in the sense of maybea low-interest rider or an
addition to a loan or a portionof a loan or a portion alone,
(25:16):
correct?
Speaker 4 (25:17):
Sure, yeah, so I guess, without having kind of
those notes in front of me,without butchering it too much.
So if you're looking at like anFSA loan through, roll through
the USDA United StatesDepartment of Agriculture there
(25:37):
and they'll have officesthroughout the United States.
Right, and the unique thingabout the FSA loans is they can
run off of, or mainly will runoff of, some county-specific
data, specific data.
So being able to like, as anexample, you can already own
(26:00):
some land, some ag land, but yetyou're I think most are with
all the agencies a restrictionmay be that you're not able to
own more than 30% of what you'rewanting to purchase.
So if you're wanting topurchase let's say, for numbers
sake, you know 100 acres, theindividual may only be able to
(26:25):
own up to 30 or 29%, you know 29acres or something like that,
and then there'll be otherqualifications that apply.
But there's really some uniquefeatures with that and a lot of
it is involved around what thatparticular agency, that FSA
office, can help somebody outwith their down payment.
(26:52):
They do have a very low downpayment if they offer that and
go through that.
I think it's like maybe a 5%that gets financed in as a down
payment so that can beattractive for some individuals
as they're looking at that.
But it's just a governmentoption through the USDA and
(27:13):
obviously they're going to beable to work with a producer, a
beginning producer, coming in.
That can really help catapultto get them started.
There will be some limits as tohow much money that they may be
able to access and I'd like tosay I know what that limit is
(27:36):
via every state if that'snational or not as a set limit,
but that may vary between someof the offices.
So I don't want to speak toomuch on that because the FSA
offices, I do believe, run alittle bit different in
accordance.
So it may not be a lot you knowthe $300,000, $500,000, how
(27:57):
that goes but it's a goodkickstart to be able to allow
folks to be able to get startedand I know they also have
land-based or operational loanswith that as well.
So, yeah, FSA is a good way tolook too.
Speaker 1 (28:18):
Yeah, and I think one of the things that we're big
advocates for just like today,roger, where I don't know
everything about loans, that'swhy I have Roger Wiese right Is
because I want to marry myclients with you so that you can
take care of that aspect ofhelping them find that money.
You know, we want to marry, youknow, like, when we get you
(28:40):
involved, then you can bring inthat person in that FSA office
that can help them through thatprocess.
You know, as we, you know, Ialso know most of those guys in
the FSA offices that can.
You know, that can help themthrough it.
But again, it's, it's justanother tool to help somebody
achieve their goal.
Speaker 4 (29:00):
And.
Speaker 1 (29:01):
I like what you said in there about what we need to
identify what their goal isfirst Like what are they?
Trying to accomplish.
Speaker 4 (29:09):
Yeah, absolutely.
The first part of thisrelationship with a client is,
of course, it's important toknow the balance sheet, but I
really want to know theindividual.
I want to know what they arelooking at as a family base too.
What is their goals going intotheir purchase or their seeking
(29:39):
of loans?
You know what are they wantingto ultimately look at and do?
Because I want to be able toput them in position to where
they are getting the best valuefor what they are seeking and
put them in position to where,yes, they can look at other
(30:00):
resources that help complementwhat we can provide, and to be
able to give them the tools tobe able to make the best value
decision for their operation andtheir business, because farming
or ranching, it's a businessmodel, you know, that's all
there is to it, and to be ableto look at what you want to do,
(30:23):
what your goals will be and howthose can best align with any
financing available is veryimportant.
Speaker 1 (30:31):
Yeah, yeah, I just like I said, I a lot of what
you're, what you're talkingabout there.
It's, it's.
You know, it's really toughsometimes to to tell people, hey
, you know, like this is thestuff that we have to have, but
that's, that's honest to God,that's, it's like you, just like
you said, it's part of being abusiness owner.
Speaker 4 (30:52):
I am that stuff.
Speaker 1 (30:53):
You have to have that stuff as a business owner, you
know.
You know you have to have the,the um, the tools, um, to
operate a successful business.
It's it's just part of the deal.
And so, and so being able to, Ireally like when and you know,
just to recap, we were right upagainst a break here.
But just to recap what you weretalking about in there, roger,
(31:20):
is like I thought it wasinteresting when you said, even
to the point of updating yourbalance sheet every three months
.
You know, like, I think thatyou know, historically we've
always been kind of taught oncea year, make sure we sit down
and update our balance sheet.
I think it's interesting thatyou're you're encouraging people
to do that up to like everythree months.
That's kind of unique.
Speaker 4 (31:37):
I think it just offers somebody to be prepared
because when a purchase of landcomes available whether it's in
close proximity or it'scontiguous adjoining land or
whatever your self in order andyour documents in order and that
balance sheet, as accurate ascan be, is only going to
(32:00):
expedite the producer's processto be able to move forward.
And it really kind of the otheraspect that I like about it is
it keeps yourself in tune.
You know, the more you update,that quick hit update I guess
it's kind of like I see it justlike doing the maintenance right
(32:22):
.
If you keep the maintenance onyour equipment updated,
hopefully you're reducing yourbreakdowns in the field and
everything else.
And it's just an importantaspect that finance maintenance
is just such a valuable um uh,it can be just a very valuable
self-driven thing that that canhelp you align with
(32:44):
opportunities.
But it also, I think, can alsohelp you keep a peace of mind,
uh, with where you might be as aproducer, where you might be,
uh, spending your dollars on andwhat you can conserve or what
you need to be able to spenddollars on to be able to advance
your production year and stuff.
(33:05):
I just think it keeps you morein tune.
Speaker 1 (33:08):
Yeah Well, I think it's very smart.
It's very Ferris Bueller-esqueof you, right Like life moves
very pretty fast.
You got to be prepared.
Speaker 4 (33:17):
Yeah.
Speaker 1 (33:18):
My dad was always very like.
My dad taught my brother and Ithat that's, that's just a part
of business.
You take your books, you takeyour balance sheet.
You go once every other monthor once every quarter at the
very most.
You go sit down with yourlender and you go through what
you're doing, what you're up to,and that way, if you had to buy
new trucks or buy whatever, itwas never a very long
(33:41):
conversation.
You knew from the look on theirface the last time you went and
talked to them about what you'redoing, whether you were going
to be able to do it or not.
So, you really didn't even, andyou kind of told them what you
were planning on doing in thatconversation anyway.
Speaker 4 (33:56):
And it doesn't need to be that scary.
I've just worked with twoclients this last week.
One has been a producer for along time and another was.
They were just getting theirfeet wet and both of them the
one that was a producer for along time had some apprehension
of, oh, balance sheet.
It kind of seems scary to them,but when I spent the time and
(34:22):
just worked with them and wentthrough what are the nuts and
bolts that can be on theirbalance sheet and can be readily
available and such like that,it's really not as scary as it
seems, especially when you havea good um Excel spreadsheet or
whatever it might be.
Um, the other individual, thefamily, her and her husband that
(34:43):
are, um, kind of just gettingtheir feet wet and such um, you
know they've never really puttogether a balance sheet, so
they were just kind of gettinginvolved in some things and, um,
I think when people hear theword maybe they think it's a
little bit scarier than what itis, and I guess it's really
probably no scarier than justtaking a look at some.
(35:05):
You know your checkbook.
You want to balance that out.
You want to know what depositsare coming in.
You want to know what expensesare going out and just kind of
keeping that in order a littlebit.
It offers a peace of mind andit's not as scary as it seems,
and we're here to make thatprocess a lot simpler and a lot
(35:29):
more effective for people sothat they can go through these
things and have their figuresand their finances available
when they need them and wantthem.
Speaker 1 (35:39):
Yeah, no, that's very smart.
And again, like, what you wantin your world is you want kind
of stuff that is preparingpeople to.
(36:01):
Maybe you're not ready to makethat decision today or you're
not finding the piece ofproperty today that you need,
but that may come very quickly.
Business you know when somebodydecides to sell a quarter or
sell.
You know sell something whenthey make up their mind.
From the time they do it to thetime they want it gone.
Usually isn't an amount ofyears, it's usually you know,
(36:28):
it's usually we're done with itand it happens fairly quickly.
So let's take a quick break,Roger, and we will be right back
be right.
Speaker 3 (36:34):
Land isn't just dirt.
It's where memories are made,families are raised and
livelihoods are built.
But when it comes time to sellor buy, the weight of the
decision is heavy.
Where do you even start?
Who can you trust to guide you?
(36:55):
For too long, land transactionshave been treated like a simple
exchange Numbers on a paper, asignature on a line.
But it's more than that.
At High Point Land Company, wedon't just list land, we walk it
.
We learn its story and we findthe right buyer who understands
(37:18):
its worth.
You are not just another deal.
You are the steward ofsomething bigger and we're here
to help you navigate every stepof the way.
You navigate every step of theway when it's time to sell, when
(37:47):
it's time to buy.
We're here Because land is morethan just land.
It's your legacy.
Speaker 1 (38:03):
All right, we are back with Roger Wiese with MAC
America Ag Financing and onceagain, you can find these guys
online at aglandfinancecom.
That's aglandfinancecom.
And Roger, if it's okay withyou, we're going to put your
(38:24):
contact information in the shownotes so that you can go check
that out, get a hold of you.
Speaker 4 (38:30):
Absolutely Yep.
Include my email and phonenumber.
You bet Yep.
Speaker 1 (38:34):
We'll spam the heck out of you so you can have all
kinds of people calling you.
My assumption is I don't thinkon your website, if I remember
right, I don't think they haveall your individual agents or
your mortgage officers withtheir locations on there as of
(38:55):
this time.
Speaker 4 (38:56):
Yeah, I don't believe that's on there right now.
No.
Speaker 1 (38:59):
So people will have to get a hold of you to find
your partners in crime at thedifferent parts of the country
where they're at.
You bet they can get a hold ofyou and you can get the ball
rolling.
I would assume you bet.
Yep, all right, let's talkabout MAC America Not a whole
lot of folks out therespecializing in agricultural
land.
(39:20):
As far as financing goes, Iknow you guys work directly with
Farmer Mac.
Is that correct?
Yes, yeah, yeah, that iscorrect.
Farmer Mac, is that correct?
Speaker 4 (39:29):
Yes, yeah, yeah that is correct, farmer Mac, we'll
work directly with them and thensome other lending institutions
that work with us to help backour loans and such like that.
So some local and et cetera.
Speaker 1 (39:47):
So yeah, but your, your job is essentially like you
are you qualify people, you,you are the.
You know, you're the financingarm for people that are looking
to finance ground, and it can beany.
You know.
No houses, right, no realstructures, unless it has to do
(40:08):
with um production andagriculture, correct, so sure
you can have rain bins and andshops and things, but we're not
looking for residentialproperties.
Speaker 4 (40:19):
Yes, yeah, yeah, for the most part, yes, it's all.
It's all gotta be ag related oran ag component.
So, um, when somebody looks atcalling me for any type of ag
finance services, you know itmay be anything from looking at
(40:39):
purchasing some land or,recently, I guess, probably,
yeah, probably, yeah, I'ddefinitely say an increase in
looking at options andalternatives to refinancing.
Some folks looking at maybethey are currently on a
five-year or 10-year note andthey would like to look at some
(41:04):
options for refinancing andgoing a little bit longer term,
up to 30 years, which issomething that we specialize
30-year fixed and be able tolook at providing a little more
operational or a little bit moreliquid capital into their
pockets that they can use foroperational uses or whatever
(41:29):
that may be.
So that's something that can bea really good thing.
I know we've been able to solvesome big pictures for some
folks that are just looking atturning the tides a little bit
and wanting a little bit moreliquid capital into their
pockets.
So that's been good.
Liquid capital into theirpockets, so that's been good.
(41:50):
Some of the things that we canspecialize with even up to the
30-year no origination fee, alsono prepay penalties and such
like that.
So that's nice, try to workwith people on that.
Again, it probably goes back tothe biggest thing that at least
that I look at is oh sure, Ilike to be able to say a lot of
the special things that we havethrough Mac America, a lot of
(42:13):
the tools and the things thatkind of can make us different.
But I like to focus on one ofthe biggest things that I
believe can really make usdifferent and that is Kobe.
That's getting back toestablishing the relationship
with the individual.
Getting back to establishingthe relationship with the
individual, before I ever wantto get into what MAC can do or
(42:34):
what we can provide, I reallywant to know from an advisor
standpoint here, I want to knowthe client, I want to know what
they're looking at doing, I wantto know what they have.
So I really try to develop andI think all of our finance
advisors in America look atreally trying to focus on that
relationship with thatindividual and to let or family,
(42:56):
and let that go beyond justbeing able to secure a loan or
being able to secure financing.
We put all of our clients intoour database and when we see the
opportunity that refinancingmay come down the road to be
(43:16):
able to work in line with theirgoals, their business goals,
whether that be interest ratesor dropping at a particular
percentage difference of whatthey were looking at, or
whatever it might be.
We like to touch base with ourclients continually.
I reach out to my clientscontinually, a number of times a
(43:36):
year, and make sure you knoware things looking the way they
want?
Are they progressing in the waythat they want?
And if they're looking at acertain change, we'll reach back
out to them.
You don't have to come to us.
A client doesn't have to comeback to us to see well, would it
(43:57):
be a good time to refinance?
We're ahead of the game inreaching back out to our clients
.
And again, to me that's therelationship.
Without being able to know yourclients and specialize in that,
it's difficult to be able tosay that you're really providing
the service that you want.
Speaker 1 (44:19):
Yeah, no, and that's, I think, the important part
about it.
Like, developing thoserelationships is important, and
I think that you guys do thatvery, very well, um, and are
just a great tool in theindustry, and so, um, we, we
appreciate you.
I know that.
So, roger, um, you've beendoing this for a little bit.
(44:41):
Um, what's one of the morecrazy things, like you know,
that you've seen, trying to getsomething, something sold?
Uh, what's one of the morecrazy uh uh closings that you've
gone through?
Speaker 4 (44:54):
Oh, uh, crazy closing , um huh, that's, that's kind of
a good one.
I, I'm, I don't really have toomany of those those questions.
As far as the crazy ones, um,you know, I I uh just uh been
(45:16):
trying I guess one of the morerecent ones and just looking at
is, um uh, when there's been a,a few families that have been
looking at, and and I sayfamilies I always like to say
just the families and not justthe producer, because I know
this it is a family.
If anybody is in the for agproduction business, it is a
(45:38):
family business when you are init.
Period.
I don't know it any other way tobe honest with you.
But I think it's just kind oflooking at that.
But I think it's just kind oflooking at that how they can
really look at expanding.
Some folks have just thought,oh, they'd love to be able to
(46:00):
purchase the land.
I guess that's contiguous tothem, so to speak, because their
dad was looking at that andmaybe their father has passed in
this case and they were lookingat that land.
Their father was looking atthat land for the last 50 years.
If that ever comes available,we'd like to be able to get that
.
(46:20):
And looking at things now intimes of probably a little
uncertainty with some folks andyou say crazy I don't know how
crazy it is it's probably moreheartfelt in this case that they
just didn't a year ago, didn'tthink it was ever an opportunity
.
They could never even get to itbecause they just couldn't see
(46:41):
the picture.
Well, what once you go througha little bit and work with the
family and get to know them andreally get to know what their
business model is going to want,if that pasture land that's
contiguous to them is reallygoing to suit their needs and
how that will all work with themand what they can do with the
(47:03):
row crop land, the acres thatare with it and such like that,
and just to be able to work withthem from that standpoint.
Look at their debt to assetratio and what maybe assets do
they have, or maybe notproducing as much income for
them anymore, or to be able to,that are not a productive part
(47:27):
of their business that's thebest way to say it.
What assets that they had thatwere not a productive part of
their business as much, becauseit was something that they
really weren't looking at, theyjust have.
They just looked at well, wehave these assets, we have this,
we have that, we have thisequipment.
But is it, was it better to beable to?
Maybe in this case it was to beable to sell some of the
(47:48):
equipment and look at leasing orrenting because of that aspect
of their operation and really beable to piece things together
and redo their balance sheet.
And then it was like, all of asudden, you could just see their
eyes and it's nice to not justlook at the eyes from the
producer In this case it was thehusband but the family, his
(48:14):
spouse and his older children.
Like we can make this happen,you know, through the
interaction of working with themover a number of weeks, months,
whatever that may be, to beable to spend time with them and
really see that this can reallyhappen.
We can do this.
Four months ago, five monthsago, we didn't think there was
(48:36):
any way and so, yeah, I don'tknow if that's a crazy aspect or
not, but in a way it is,because I've been there
personally thinking, oh, I mightnot ever be able to do that,
but, you know, with the rightpeople in the life of my wife
and I, being able to reallyspend some time and have people
that have offered that care andconcern and work with us, it's
(49:00):
like, you know, when that lightbulb goes off, that you can make
something happen and you can goforth with your business plan
for the next five, 10 years,whatever you think it might be,
your family business plan.
I tell you it's really neat tobe involved with that, and I
(49:21):
guess that's what I throw outthere as probably, if anything,
it's that's.
That's just kind of the crazypart, I guess.
However, you want to say it,but it's a neat thing to be
involved in and see how thatworks.
Speaker 1 (49:36):
Yeah, I always said that when I first got involved
in real estate, I sold housesand the first time you sit down
with a first home buyer at aclosing table and you like watch
the process, go through theprocess with them from the time
from educating them on how theycan buy a home till handing them
(49:57):
the keys to their first home,it's an addiction that you know
and I think it doesn't changeany from you know, helping
people through that process ofgetting that perfect piece of
property that fits just right inwith their operation.
(50:18):
It's a similar feeling where youcan help somebody, not just
make it work, but it fits justperfect.
So I totally understand whereyou're coming from there.
Yeah, you, if you could justlook into the, you know, look
out at the audience and tellpeople, you know that that first
time buyer or whatever outthere, if you could just give
them one piece of advice todaybefore we take off, um, that
(50:42):
they could take away, what wouldthat piece of advice be like?
One thing that we talked abouttoday that they, that they, they
should take away from today.
Speaker 4 (50:49):
You bet, do do not, you know, do not be afraid to,
to reach out and and to ask um,if, if you have a, a thought, or
oh, I would really, why can'twe do this would really, why
(51:14):
can't we do this?
Is this a possibility to reachout to myself or somebody else?
Whatever, I'm just going to say, be able to reach out and talk
to somebody that may be able tohelp walk them through some
possibilities, to be able totake their information right,
take their thoughts, theirviewpoints, what they see, their
dream of the possibilities.
Because I believe, if you, Itruly believe, if you, if you
(51:50):
just hold that in and you're notseeking, seeking out the folks
that can offer any of thatsupport or that help, you just
may not see the picture veryclear and do not be afraid to
reach out and ask.
You know it just helps you.
(52:12):
Put those logistical answers infront of you so that you can,
so that a family, a producer canmake the best decisions that
they can and I see from time totime, probably too many people.
Oh, we wanted to ask you sixmonths ago or after that farm
and home show, when we talkedwith you and we had that great
(52:33):
conversation over a cup ofcoffee and some rolls.
That was awesome, and I don'tknow why my husband and I we
talked at home for for the lastnine months and and you know,
and so finally we just saidthere's his business card, let's
give him a call, and it's don'thesitate.
Don't hesitate to call 10, 20times, well before that time
(52:55):
period, because I think that'swhat helps paint a clearer
picture.
And so that's probably mybiggest advice before anything
else, because to me that's thefirst step in anything.
Speaker 1 (53:07):
So Well, you know, if you ask a question, the answer
might be no, but if you don'task a question, the answer is
always no.
The answer is always no yeah, Imean.
Yeah, that is an important,that is important to remember.
Speaker 4 (53:22):
Yeah, it's, it sounds , it sounds very simple, but you
know truth of it and I'm sure,kobe, in your industry you get
the same thing.
You know, but it truly is.
And then I have to look back onit myself.
You know I have to take thosewords and put it back on me too,
because there's times, withother things, you know, I may
(53:44):
not ask or whatever.
You know Great examples, maybewhen your kids are going off to
college oh, I don't want to ask,I don't want to ask the advisor
that or something, when yourkids may be going off and it's
like I wish I would have askedthat, you know, six months ago
when they were starting.
It's like, wow, you know, would,would we have known?
You know?
(54:04):
So, yeah, just just do not,just do not hesitate, because
that that's also how the, that'salso how you, how we work
through a relationship, um, and,and that allows us to foster a
relationship back and forthtogether, um, uh, to be able to
leave yourself vulnerable, toask those questions and and and
(54:26):
see, see what we come up with,because lots of times a good
answer can be found.
Sure, you know so.
Speaker 1 (54:34):
How do folks get a hold of you, Roger?
Speaker 4 (54:37):
You can reach me via my cell phone number
402-340-3086.
3, 4 0, 3 0, 8, 6.
Or email is our.
We see W I E S E at ag landfinancecom.
And um, yeah, there you go.
(54:57):
So, uh, best way is I just justgive me a call or a text Um yep
, 4 0, 2, 3, 4 0, 3, 0, 8, 6.
Speaker 1 (55:06):
And we will put uh your information in our show
notes so that people can get ahold of you if they need you.
Man, Appreciate your time today.
Roger Wiese, with MAC America,Ag Financing.
Speaker 2 (55:21):
Thank you so much, sir, for your time, and we will
see you all down the road, andwe will see you all down the
road as we wrap up anotherepisode of the American Land
Seller Podcast.
Thank you for joining us.
Visit wwwamericanlandsellercomand find us on one of your
favorite podcast platforms.
If you would be so kind and youenjoyed today's insights,
(55:43):
please like, subscribe, rate,follow and review us on whatever
app you are listening orwatching on.
Connect with us on social mediafor updates.
Until next week, kobe wishesyou success in your land
endeavors.
God bless you and have a greatweek.
Speaker 1 (55:59):
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High Point Land Company a trueleader in land sales.
Today on the American Land Seller, we're pulling back
the curtain on a process everyland buyer should understand how
agriculture land loans reallywork and how to get an edge when
it comes to financing.
Joining me is Roger Wiese, along-time Nebraska leader and
now a key member of the lendingteam at MAC America, a company
(00:25):
specializing in long-termfixed-rate financing for farmers
, ranchers and land investorsacross the country.
Roger spent decades buildingsystems and leading
organizations in the publichealth world.
Now he brings that same levelof structure and strategy to
agriculture lending At MacAmerica.
He helps clients navigate theloan process from start to
(00:47):
finish, offering access tofunding sources that most banks
can't touch, including FarmerMac, fsa and private capital
pools.
In this episode, roger walks usthrough the step-by-step
process of securing a land loan,how Mac America structures
deals differently thantraditional banks, and what we
all need to know to help get ourloans approved and funded
(01:10):
faster.
If you've ever hit a financingwall with a traditional lender
or just want to understandwhat's really possible outside
the box of conventional aglending, roger's insight is
going to be invaluable.
Speaker 2 (01:24):
Welcome to the American Land Seller podcast
with your host, coby Rickardson.
Coby is an accredited landconsultant and multi-state land
broker with High Point LandCompany.
Join us each week as we exploreall things land.
We bring you fresh insights andexpert guests on sales,
marketing, regulations,economics and so much more.
(01:44):
Visit wwwamericanlandsellercomand find us on one of your
favorite podcast platforms.
Speaker 3 (01:52):
Okay, Kobe and our special guests, let's get
started.
Speaker 1 (01:56):
Hey everybody, Welcome back to the American
Landseller Podcast.
Super excited today to haveRoger Wiese from Mac America Ag
Financing.
Roger, how are you on thisFriday?
Speaker 4 (02:12):
Kobe, I'm living the dream.
Speaker 3 (02:14):
Everything is good you are.
Speaker 4 (02:17):
Hey would be living the dream a little better if we
got a little bit more water.
Everybody wants more water,that's for sure.
If we got a little bit morewater.
Everybody wants more water,that's for sure.
But you know, we certainly areexperiencing at least some nice
weather, some good weather forplanting, and did not have an
overly rough winter for cattleor anything.
So yeah, everything's lookingpretty good so far.
(02:38):
Just need some moisture in theground.
Speaker 1 (02:40):
Yeah, definitely a little bit of drought going on
in our part of the country herein Nebraska.
Roger, you're from O'Neill,nebraska.
Tell people a little bit aboutyour part of the state of
Nebraska.
I'm from kind of south central.
You're from kind of thenorthern part, so what's going
on in O'Neill?
Speaker 4 (02:58):
Well, you know, as far as around O'Neill, we're
kind of in a unique area, Iguess in the state of Nebraska,
just shy of the South Dakotaborder, about a couple stone
throws at 30, 35 miles.
There, kind of coming up Cobyfrom where you know, maybe going
(03:23):
down by Albion and such likethat, where it seems like we
kind of split, where a certainportion of the land up here
tends to be crop land and such,but then boom, all of a sudden
you just kind of start to switchto the cattle and pasture land
and stuff like that.
So it's really kind of a uniquearea.
It's really kind of a uniquearea.
(03:49):
I grew up, born and raisedaround Lindsay, nebraska, born
in the old Newman Grove Hospitalso which no longer is
necessarily there, and born on afarm just south of Lindsay,
south and west just a smidgen,and then also raised around
Columbus area and such like that.
So yeah, just a little bitdifferent.
Everything there around theLindsay, cornley, humphrey area
(04:11):
is all farmland for the mostpart and stuff, and so this is a
little bit different.
Moved up here about almost 25years ago now when I married my
beautiful bride.
25 years ago now when I marriedmy beautiful bride and we have
eight children, and her familyare farmers and ranchers around
(04:32):
the Page area.
Page, nebraska, just a littlebit 18 miles east of O'Neill, so
this is kind of where we'vesettled and yeah, so, irish
capital of Nebraska, and here weare.
Speaker 1 (04:47):
That's what I've heard.
It's the Irish capital ofNebraska.
I've been to O'Neill quite afew times in my years.
Beautiful part of the countryup there.
Now I haven't been up there fora while.
I used to have a verysuccessful tomato greenhouse.
Is that still in operation upthere, kind of right outside of
(05:09):
town?
Speaker 4 (05:10):
Yeah, I guess, to my understanding, probably not in
full operation.
It kind of went throughdifferent management and
different owners, I believe,here and there off and on and on
(05:33):
.
So right now I believe they'relooking for a little bit more
transition to try to make itmore active and more developed
and such like that, but myunderstanding is it's definitely
not in full operation.
There may be segments of it are, but it's a big building and I
know when it was operating itwas pretty cool.
Speaker 1 (05:49):
Yeah, years ago I had the opportunity back when I was
in full swing to take a tour ofthat and that was pretty
amazing.
Speaker 4 (05:54):
Oh yeah.
Yeah really neat operation.
How those work yeah.
Speaker 1 (06:02):
Roger, so let's start getting into.
I wanted to have you on todayto talk just a little bit about.
I know, if you listen to themedia, talk to the news.
Of course the sky is falling,the world's coming to an end.
That's the way everybodyperceives everything.
I've made my point.
(06:23):
I wrote an article for theRealtors Land Institute recently
, a blog post and an article forthe Terra Firma magazine, kind
of about maybe the world isn'tquite as bad as we thought it
was.
You know, from going to theland conference, talking to the
land sellers around the country,my takeaway from those guys is
(06:44):
maybe they're going to have justas good a year, if not a better
year, than they had last yearis kind of what they're looking
at.
Um, what are you seeing asyou're dealing with your clients
around the Midwest?
Cause you don't work just inNebraska, correct?
You work all over, kind of, inthe Midwest area.
Um is the sky falling?
Is the world coming to an endor are we just kind of at a
(07:05):
maybe, a you know plateau wherewe're maybe taking a break?
And you know the world, youknow like land prices aren't
continually going crazy and upand up and up.
Yeah, what are you seeing fromyour chair?
Speaker 4 (07:20):
I think from the optimist's standpoint of view or
something like that, looking atthings in a positive notion,
the world is never falling.
It's just there's some rainydays and there's some sunny days
.
I suppose when you look back atthings over and over and over.
(07:57):
I'll kind of regress just alittle bit to Warren Buffett.
Just had his large annual andso shareholders meeting excuse
me, in Omaha there beginning ofMay and I did not attend this
year, but I listened to a lot ofthem and I know Warren isn't
really big into as far asagricultural investments and
such like that, but they do haveBerkshire Hathaway real estate
(08:19):
and such and I know they do notonly residential but they expand
a little bit more with that.
But anyway, just listening toWarren, one of the things I know
when he was saying and he'sbeen an investor a long time and
it seems like every three, fiveyears of something, some major
(08:41):
event, whether it's nature orwhether it's political or
whether it's economic, therewill always be the sky is
falling.
You know, from his standpointhe just really looks at that.
As you know, those are alwaysopportunities and there's always
(09:01):
going to be growth.
As an example, when he refersas the stock market.
It's going to continue to grow.
It's going to continue to grow.
It's going to continue to grow.
The US economy is strong.
I think that, from what I seeand I would say from those that
just hold a very positiveviewpoint, I would say from
(09:23):
those that just hold a verypositive viewpoint probably
coming out of the early 2000swith COVID and such like that, I
think, may have just reallythrown a lot of things in an
upheaval here and there.
I think it led to a lot of thatmind uncertainty.
You know where are things going, what's next?
But there's still a lot ofpositives that are flowing, and
(09:48):
whether that be opportunitiesfor for land sales that may be
in close proximity to somebody,or you know example would be
looking at the cattle industryright now.
Where things are going, I'm notcertain.
A lot of people predicted that,maybe five, seven years ago.
(10:10):
Maybe they did, I don't know,but you know things are looking
good in that regard.
So I always want to take thepositive standpoint that I'm
just not certain that the sky isfalling anymore now than when
it did 10 years ago, 20 yearsago, 30 years ago or et cetera.
(10:32):
So that's probably the stancethat I take and I think the
media and other folks may saythe sky is falling.
I think if you go to the coffeeshop and you talk with folks,
you know if you and I were tosit down and have coffee with
some farmers and ranchers, theyhave questions, but I think
there's still a lot of goodvibes that they have about the
(10:57):
year and such like that.
Speaker 1 (10:59):
Well, I think there's no doubt, if you're a producer,
that so yeah, well, I thinkthere's no doubt, if you're a
producer, that you know there'snot a whole lot of you know
daylight between where commoditypricing is and where your input
costs are, and so that's youknow, and this is another year
of that, and so without a lot ofrelief there, I think there's a
(11:24):
lot of guys that aren't supercheery about it.
But the guys that I, you know,like, I think, the guys that I
know, and the guys that I talkto on a regular basis, they kind
of build that into theirbusiness model, knowing that
that's kind of the seven toeight years you know business
structure is that they have upsand downs and and they kind of
you know that's why they don't,um, spend all their money in the
good times, because they haveto cycle that back around to
(11:47):
when the market returns to alittle bit more modest market.
Speaker 4 (11:57):
And I'd say that's a very good point.
And you mentioned input costs.
Quite honestly, aren't inputcosts right now pretty much just
affecting everybody?
I mean, whether you're aproducer and it's your own
business, you have to includethose input costs and over the
(12:21):
last four years you've seen themincrease dramatically.
I know, just even thinking froma non-business standpoint,
having four or five vehiclesaround the house with the kids
and stuff and wanting to changeoil on them at home, as an
example, I mean I think doing itmyself it costs double, if not
(12:43):
more than double, than it didjust five years ago, and I think
that's really hard for peopleto grasp and understand.
And if there's anything thatkind of would lend me to believe
(13:08):
that for business purposes aswell, but quite honestly, even
just for family living, right,they all still have the regular
increases in pricing of justdaily living, like everybody
(13:30):
else has, and the inputs I thinkare just overall.
It can be a struggle for a lotof folks trying to blend that in
.
Yeah.
Speaker 1 (13:40):
Coming at them from everywhere.
It is yeah Well, hey, let'stake a quick break, um, and we
will be right back.
The American Land SellerPodcast is brought to you in
part by landhubcom.
Join us today and experiencethe expertise of Land Hub's land
(14:01):
marketing professionals,whether you're buying or selling
, let us show you the way in theever-evolving world of land
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Landhubcom where your landjourney begins.
All right, we are back herewith Roger Wiese with Mac
(14:26):
America Ag Financing today, andyou can find all kinds of fun
stuff about Mac America AgFinancing at aglandfinancecom.
Correct, roger?
Am I correct in that?
Speaker 4 (14:40):
That is correct, and I believe the website is getting
upgraded a little bit herepretty soon, if not already.
Speaker 1 (14:47):
So yeah, please you guys' home base is not Mars or
anything, it's like right herein Nebraska.
Speaker 4 (14:53):
Is that correct?
That's right, we're a littleunique because we're Mac America
is not necessarily in a brickand mortar building.
So we're like, for instance,I'm an independent finance
advisor, an officer with that,but I work out of my home.
(15:18):
Or, as you, kobe, we're goingto work a lot on the four wheels
on the road right, so you knowyour main office may have that
windshield in front of you, soto speak.
So that's nice.
So, yes, I'm out of my homeoffice and vehicle and our
(15:41):
president, steve McGuire,basically, is the same, so kind
of doesn't function a whole lotdifferent than myself, I guess.
For the most part he is out ofthe David City area and Justin
Grotelushin, the vice presidentthere, is out of the Duncan
(16:02):
Nebraska area.
So home office throughoutNebraska, I guess.
So home office throughoutNebraska, I guess.
But we also have someindependent agents scattered
around throughout the Midwest,up to Indiana, illinois, even
Montana, but we are all, I guess, licensed, certified, however
you want to say it, to be ableto go in all the states.
(16:24):
So I'll have clients in anumber of states, not just
Nebraska.
So that's a nice aspect.
I kind of like it.
I really like to learn aboutthose other areas, you know
Missouri and Colorado and stufflike that because you just get
so ingrained to kind of knowingwhat it's like here in Nebraska.
But it's really interesting toknow what logistics other
(16:48):
producers are facing in otherareas.
Speaker 1 (16:53):
So yeah, I think it's interesting you talk about that
.
I just went to a conferencelast week in Colorado and as I
was going down there, I have aclient down in like down in the
Ordway Sugar City Colorado areawent down and drove around,
spent a couple hours down therewith him looking around and we
(17:14):
drove down a stretch of highwayin the Colorado where on one
side was enormous cattlefacility this feeding facility
and on the other side of thehighway is a bunch of marijuana
grow buildings, you know, likegreenhouses, and I thought to
(17:35):
myself for the first time inprobably a long time the cattle
side was probably worth way morethan the marijuana grow side
was more than the marijuanagrows, you know the world may be
coming back to Jesus, whetherwe
like it or not, but so, anyway,let's talk just a little bit
about how does someone, likesomeone's, looking at buying
(18:08):
some land.
Roger, what do we need to startconsidering?
Right, so I've got cow-calfoperation.
We need some more pastureground, whether because of the
weather or because we're growing.
We're looking at some landBefore we come to you or when
we're coming to you.
What do we need to get togetheras far as, maybe, financials?
Maybe what are you going to belooking at when qualifying us?
(18:31):
And then, maybe what kind ofthings about the land are you
going to be looking at as far asvalues and things like that?
Let's kind of go through thatprocess.
Speaker 4 (18:42):
Okay, yeah, a little bit.
You know, one of the thingswe'd like to start folks on is
first kind of going through ourExpress application, and I'll
get into that a little bit.
But the Express application is,well, it's what it is.
It's an Express applicationthinking of it being pretty fast
(19:05):
, pretty quick, with a veryquick turnaround within 24 to 48
hours, lots of times, with loanapplications up to $5 million
or so, and we'll get.
(19:29):
We'll get some producers thatare maybe just touching, getting
their feet in the water, some,some younger folks or middle
aged folks or, or you know,really looking at expanding an
operation and such like that.
Just say, to start off, one ofthe very first things we're
going to look at is, you know,number one we're not going to
(19:52):
look at the land or anythingthat the individual has, but we
really want to be able to get afew things addressed, and that's
personally I like to reallyinvolve myself with the client
and what their goals are, whattheir business plan goals are
Currently.
What are they doing, what wouldthey like to be doing?
(20:16):
What would they like to bereaching for, whether they have
50 cow-calf pair right now, 50head, or they're looking at
expanding to 100, or maybethey're just looking at they've
been renting pasture land, theywant to look at purchasing
pasture land or whatever thatmay be.
But to be able to get to thatpoint and to really be able to
(20:39):
have what would be like yourfinances, your debt to asset
ratio and stuff in order, so Ithink a lot of that really just
kind of revolves around thebalance sheet right For most
anybody.
You know your checkbook andyour assets and debt.
(21:00):
So being able to really have anadequate balance sheet that is,
relatively speaking, up to date, that is caught up.
Some producers that I've beenworking with recently they may
bring me a balance sheet and say, well, yep, we've had that
caught up for the.
That's almost 18 months ago orso and then all of a sudden
(21:24):
which is fine but then you'regoing through a certain
logistics of the balance sheetand it may not include that they
just sold X equipment or theyhave recently acquired and put
(21:44):
up a couple of grain storagebins or whatever it might be.
So what do they truly have ontheir balance sheet?
And trying to keep it up todate, an up-to-date balance
(22:05):
sheet, updated every three tosix months at least, just making
sure that you're taking thatsnapshot picture of it so that
you know what is on your balancesheet and if anything is out of
order, if it needs to beupdated or not, and then to have
(22:26):
them so they're available.
It's always nice to be able tohave them available electronic
copy, so that can be eitheryourself, kobe you could just
say, roger, here you go, I'mgoing to email it to you or
maybe somebody else has thatbalance sheet that you may be
working with, whether that be afinance institution or whatever
(22:51):
it may be, but to be able tohave access to that balance
sheet and have it yourself, Ithink is very important.
Of course we'll take hard copies, but it's nice to always have
those to where they can eitherbe emailed or we can send a
secure file and it can be put inthat drop box.
You know that's that's kind ofthe secure system now, so that
(23:13):
can be uploaded on our end butbe able to talk with the
individual about the balancesheet and just make sure
everything is updated.
For the most part, I meanthat's that's one of the areas
that I that, I believe, is is agreat starting point and I think
you talked about, you know,kind of maybe even a first time
(23:36):
producer or somebody gettingtheir feet wet and stuff like
that.
I also guess I would encourageyou know, to never underestimate
looking at FSA loans throughthe USDA and even how those can
complement an existing loan oran additional loan like through
(24:01):
Mac America, with what we can dofixed loan, whether it be 20
years, 30 years or whatever withwith uh uh, an agency like Mac
America and see how those cancompliment um, compliment the
(24:23):
producer and uh uh yeah justkind of be able to balance that
out a little bit, Um, and to seewhat your option let me
interrupt you just once, rightthere.
Speaker 1 (24:34):
Let's say, like somebody listened to this, your
option.
Let me interrupt you just once,right there.
Let's say, like somebodylistened to this might not
understand what that fsa is like.
Just, can you just just take 30seconds or something and just
kind of, or a minute and kind ofexplain like fsa for you know,
like that's, that's a governmentagency that help you know that
is an asset to or or I don'tknow, the government agency
(24:55):
being an asset is kind of anoxymoron, but it can be an asset
to somebody that maybe is afirst-time farmer or you know,
or correct.
You know in the sense of maybea low-interest rider or an
addition to a loan or a portionof a loan or a portion alone,
(25:16):
correct?
Speaker 4 (25:17):
Sure, yeah, so I guess, without having kind of
those notes in front of me,without butchering it too much.
So if you're looking at like anFSA loan through, roll through
the USDA United StatesDepartment of Agriculture there
(25:37):
and they'll have officesthroughout the United States.
Right, and the unique thingabout the FSA loans is they can
run off of, or mainly will runoff of, some county-specific
data, specific data.
So being able to like, as anexample, you can already own
(26:00):
some land, some ag land, but yetyou're I think most are with
all the agencies a restrictionmay be that you're not able to
own more than 30% of what you'rewanting to purchase.
So if you're wanting topurchase let's say, for numbers
sake, you know 100 acres, theindividual may only be able to
(26:25):
own up to 30 or 29%, you know 29acres or something like that,
and then there'll be otherqualifications that apply.
But there's really some uniquefeatures with that and a lot of
it is involved around what thatparticular agency, that FSA
office, can help somebody outwith their down payment.
(26:52):
They do have a very low downpayment if they offer that and
go through that.
I think it's like maybe a 5%that gets financed in as a down
payment so that can beattractive for some individuals
as they're looking at that.
But it's just a governmentoption through the USDA and
(27:13):
obviously they're going to beable to work with a producer, a
beginning producer, coming in.
That can really help catapultto get them started.
There will be some limits as tohow much money that they may be
able to access and I'd like tosay I know what that limit is
(27:36):
via every state if that'snational or not as a set limit,
but that may vary between someof the offices.
So I don't want to speak toomuch on that because the FSA
offices, I do believe, run alittle bit different in
accordance.
So it may not be a lot you knowthe $300,000, $500,000, how
(27:57):
that goes but it's a goodkickstart to be able to allow
folks to be able to get startedand I know they also have
land-based or operational loanswith that as well.
So, yeah, FSA is a good way tolook too.
Speaker 1 (28:18):
Yeah, and I think one of the things that we're big
advocates for just like today,roger, where I don't know
everything about loans, that'swhy I have Roger Wiese right Is
because I want to marry myclients with you so that you can
take care of that aspect ofhelping them find that money.
You know, we want to marry, youknow, like, when we get you
(28:40):
involved, then you can bring inthat person in that FSA office
that can help them through thatprocess.
You know, as we, you know, Ialso know most of those guys in
the FSA offices that can.
You know, that can help themthrough it.
But again, it's, it's justanother tool to help somebody
achieve their goal.
Speaker 4 (29:00):
And.
Speaker 1 (29:01):
I like what you said in there about what we need to
identify what their goal isfirst Like what are they?
Trying to accomplish.
Speaker 4 (29:09):
Yeah, absolutely.
The first part of thisrelationship with a client is,
of course, it's important toknow the balance sheet, but I
really want to know theindividual.
I want to know what they arelooking at as a family base too.
What is their goals going intotheir purchase or their seeking
(29:39):
of loans?
You know what are they wantingto ultimately look at and do?
Because I want to be able toput them in position to where
they are getting the best valuefor what they are seeking and
put them in position to where,yes, they can look at other
(30:00):
resources that help complementwhat we can provide, and to be
able to give them the tools tobe able to make the best value
decision for their operation andtheir business, because farming
or ranching, it's a businessmodel, you know, that's all
there is to it, and to be ableto look at what you want to do,
(30:23):
what your goals will be and howthose can best align with any
financing available is veryimportant.
Speaker 1 (30:31):
Yeah, yeah, I just like I said, I a lot of what
you're, what you're talkingabout there.
It's, it's.
You know, it's really toughsometimes to to tell people, hey
, you know, like this is thestuff that we have to have, but
that's, that's honest to God,that's, it's like you, just like
you said, it's part of being abusiness owner.
Speaker 4 (30:52):
I am that stuff.
Speaker 1 (30:53):
You have to have that stuff as a business owner, you
know.
You know you have to have the,the um, the tools, um, to
operate a successful business.
It's it's just part of the deal.
And so, and so being able to, Ireally like when and you know,
just to recap, we were right upagainst a break here.
But just to recap what you weretalking about in there, roger,
(31:20):
is like I thought it wasinteresting when you said, even
to the point of updating yourbalance sheet every three months
.
You know, like, I think thatyou know, historically we've
always been kind of taught oncea year, make sure we sit down
and update our balance sheet.
I think it's interesting thatyou're you're encouraging people
to do that up to like everythree months.
That's kind of unique.
Speaker 4 (31:37):
I think it just offers somebody to be prepared
because when a purchase of landcomes available whether it's in
close proximity or it'scontiguous adjoining land or
whatever your self in order andyour documents in order and that
balance sheet, as accurate ascan be, is only going to
(32:00):
expedite the producer's processto be able to move forward.
And it really kind of the otheraspect that I like about it is
it keeps yourself in tune.
You know, the more you update,that quick hit update I guess
it's kind of like I see it justlike doing the maintenance right
(32:22):
.
If you keep the maintenance onyour equipment updated,
hopefully you're reducing yourbreakdowns in the field and
everything else.
And it's just an importantaspect that finance maintenance
is just such a valuable um uh,it can be just a very valuable
self-driven thing that that canhelp you align with
(32:44):
opportunities.
But it also, I think, can alsohelp you keep a peace of mind,
uh, with where you might be as aproducer, where you might be,
uh, spending your dollars on andwhat you can conserve or what
you need to be able to spenddollars on to be able to advance
your production year and stuff.
(33:05):
I just think it keeps you morein tune.
Speaker 1 (33:08):
Yeah Well, I think it's very smart.
It's very Ferris Bueller-esqueof you, right Like life moves
very pretty fast.
You got to be prepared.
Speaker 4 (33:17):
Yeah.
Speaker 1 (33:18):
My dad was always very like.
My dad taught my brother and Ithat that's, that's just a part
of business.
You take your books, you takeyour balance sheet.
You go once every other monthor once every quarter at the
very most.
You go sit down with yourlender and you go through what
you're doing, what you're up to,and that way, if you had to buy
new trucks or buy whatever, itwas never a very long
(33:41):
conversation.
You knew from the look on theirface the last time you went and
talked to them about what you'redoing, whether you were going
to be able to do it or not.
So, you really didn't even, andyou kind of told them what you
were planning on doing in thatconversation anyway.
Speaker 4 (33:56):
And it doesn't need to be that scary.
I've just worked with twoclients this last week.
One has been a producer for along time and another was.
They were just getting theirfeet wet and both of them the
one that was a producer for along time had some apprehension
of, oh, balance sheet.
It kind of seems scary to them,but when I spent the time and
(34:22):
just worked with them and wentthrough what are the nuts and
bolts that can be on theirbalance sheet and can be readily
available and such like that,it's really not as scary as it
seems, especially when you havea good um Excel spreadsheet or
whatever it might be.
Um, the other individual, thefamily, her and her husband that
(34:43):
are, um, kind of just gettingtheir feet wet and such um, you
know they've never really puttogether a balance sheet, so
they were just kind of gettinginvolved in some things and, um,
I think when people hear theword maybe they think it's a
little bit scarier than what itis, and I guess it's really
probably no scarier than justtaking a look at some.
(35:05):
You know your checkbook.
You want to balance that out.
You want to know what depositsare coming in.
You want to know what expensesare going out and just kind of
keeping that in order a littlebit.
It offers a peace of mind andit's not as scary as it seems,
and we're here to make thatprocess a lot simpler and a lot
(35:29):
more effective for people sothat they can go through these
things and have their figuresand their finances available
when they need them and wantthem.
Speaker 1 (35:39):
Yeah, no, that's very smart.
And again, like, what you wantin your world is you want kind
of stuff that is preparingpeople to.
(36:01):
Maybe you're not ready to makethat decision today or you're
not finding the piece ofproperty today that you need,
but that may come very quickly.
Business you know when somebodydecides to sell a quarter or
sell.
You know sell something whenthey make up their mind.
From the time they do it to thetime they want it gone.
Usually isn't an amount ofyears, it's usually you know,
(36:28):
it's usually we're done with itand it happens fairly quickly.
So let's take a quick break,Roger, and we will be right back
be right.
Speaker 3 (36:34):
Land isn't just dirt.
It's where memories are made,families are raised and
livelihoods are built.
But when it comes time to sellor buy, the weight of the
decision is heavy.
Where do you even start?
Who can you trust to guide you?
(36:55):
For too long, land transactionshave been treated like a simple
exchange Numbers on a paper, asignature on a line.
But it's more than that.
At High Point Land Company, wedon't just list land, we walk it
.
We learn its story and we findthe right buyer who understands
(37:18):
its worth.
You are not just another deal.
You are the steward ofsomething bigger and we're here
to help you navigate every stepof the way.
You navigate every step of theway when it's time to sell, when
(37:47):
it's time to buy.
We're here Because land is morethan just land.
It's your legacy.
Speaker 1 (38:03):
All right, we are back with Roger Wiese with MAC
America Ag Financing and onceagain, you can find these guys
online at aglandfinancecom.
That's aglandfinancecom.
And Roger, if it's okay withyou, we're going to put your
(38:24):
contact information in the shownotes so that you can go check
that out, get a hold of you.
Speaker 4 (38:30):
Absolutely Yep.
Include my email and phonenumber.
You bet Yep.
Speaker 1 (38:34):
We'll spam the heck out of you so you can have all
kinds of people calling you.
My assumption is I don't thinkon your website, if I remember
right, I don't think they haveall your individual agents or
your mortgage officers withtheir locations on there as of
(38:55):
this time.
Speaker 4 (38:56):
Yeah, I don't believe that's on there right now.
No.
Speaker 1 (38:59):
So people will have to get a hold of you to find
your partners in crime at thedifferent parts of the country
where they're at.
You bet they can get a hold ofyou and you can get the ball
rolling.
I would assume you bet.
Yep, all right, let's talkabout MAC America Not a whole
lot of folks out therespecializing in agricultural
land.
(39:20):
As far as financing goes, Iknow you guys work directly with
Farmer Mac.
Is that correct?
Yes, yeah, yeah, that iscorrect.
Farmer Mac, is that correct?
Speaker 4 (39:29):
Yes, yeah, yeah that is correct, farmer Mac, we'll
work directly with them and thensome other lending institutions
that work with us to help backour loans and such like that.
So some local and et cetera.
Speaker 1 (39:47):
So yeah, but your, your job is essentially like you
are you qualify people, you,you are the.
You know, you're the financingarm for people that are looking
to finance ground, and it can beany.
You know.
No houses, right, no realstructures, unless it has to do
(40:08):
with um production andagriculture, correct, so sure
you can have rain bins and andshops and things, but we're not
looking for residentialproperties.
Speaker 4 (40:19):
Yes, yeah, yeah, for the most part, yes, it's all.
It's all gotta be ag related oran ag component.
So, um, when somebody looks atcalling me for any type of ag
finance services, you know itmay be anything from looking at
(40:39):
purchasing some land or,recently, I guess, probably,
yeah, probably, yeah, I'ddefinitely say an increase in
looking at options andalternatives to refinancing.
Some folks looking at maybethey are currently on a
five-year or 10-year note andthey would like to look at some
(41:04):
options for refinancing andgoing a little bit longer term,
up to 30 years, which issomething that we specialize
30-year fixed and be able tolook at providing a little more
operational or a little bit moreliquid capital into their
pockets that they can use foroperational uses or whatever
(41:29):
that may be.
So that's something that can bea really good thing.
I know we've been able to solvesome big pictures for some
folks that are just looking atturning the tides a little bit
and wanting a little bit moreliquid capital into their
pockets.
So that's been good.
Liquid capital into theirpockets, so that's been good.
(41:50):
Some of the things that we canspecialize with even up to the
30-year no origination fee, alsono prepay penalties and such
like that.
So that's nice, try to workwith people on that.
Again, it probably goes back tothe biggest thing that at least
that I look at is oh sure, Ilike to be able to say a lot of
the special things that we havethrough Mac America, a lot of
(42:13):
the tools and the things thatkind of can make us different.
But I like to focus on one ofthe biggest things that I
believe can really make usdifferent and that is Kobe.
That's getting back toestablishing the relationship
with the individual.
Getting back to establishingthe relationship with the
individual, before I ever wantto get into what MAC can do or
(42:34):
what we can provide, I reallywant to know from an advisor
standpoint here, I want to knowthe client, I want to know what
they're looking at doing, I wantto know what they have.
So I really try to develop andI think all of our finance
advisors in America look atreally trying to focus on that
relationship with thatindividual and to let or family,
(42:56):
and let that go beyond justbeing able to secure a loan or
being able to secure financing.
We put all of our clients intoour database and when we see the
opportunity that refinancingmay come down the road to be
(43:16):
able to work in line with theirgoals, their business goals,
whether that be interest ratesor dropping at a particular
percentage difference of whatthey were looking at, or
whatever it might be.
We like to touch base with ourclients continually.
I reach out to my clientscontinually, a number of times a
(43:36):
year, and make sure you knoware things looking the way they
want?
Are they progressing in the waythat they want?
And if they're looking at acertain change, we'll reach back
out to them.
You don't have to come to us.
A client doesn't have to comeback to us to see well, would it
(43:57):
be a good time to refinance?
We're ahead of the game inreaching back out to our clients
.
And again, to me that's therelationship.
Without being able to know yourclients and specialize in that,
it's difficult to be able tosay that you're really providing
the service that you want.
Speaker 1 (44:19):
Yeah, no, and that's, I think, the important part
about it.
Like, developing thoserelationships is important, and
I think that you guys do thatvery, very well, um, and are
just a great tool in theindustry, and so, um, we, we
appreciate you.
I know that.
So, roger, um, you've beendoing this for a little bit.
(44:41):
Um, what's one of the morecrazy things, like you know,
that you've seen, trying to getsomething, something sold?
Uh, what's one of the morecrazy uh uh closings that you've
gone through?
Speaker 4 (44:54):
Oh, uh, crazy closing , um huh, that's, that's kind of
a good one.
I, I'm, I don't really have toomany of those those questions.
As far as the crazy ones, um,you know, I I uh just uh been
(45:16):
trying I guess one of the morerecent ones and just looking at
is, um uh, when there's been a,a few families that have been
looking at, and and I sayfamilies I always like to say
just the families and not justthe producer, because I know
this it is a family.
If anybody is in the for agproduction business, it is a
(45:38):
family business when you are init.
Period.
I don't know it any other way tobe honest with you.
But I think it's just kind oflooking at that.
But I think it's just kind oflooking at that how they can
really look at expanding.
Some folks have just thought,oh, they'd love to be able to
(46:00):
purchase the land.
I guess that's contiguous tothem, so to speak, because their
dad was looking at that andmaybe their father has passed in
this case and they were lookingat that land.
Their father was looking atthat land for the last 50 years.
If that ever comes available,we'd like to be able to get that
.
(46:20):
And looking at things now intimes of probably a little
uncertainty with some folks andyou say crazy I don't know how
crazy it is it's probably moreheartfelt in this case that they
just didn't a year ago, didn'tthink it was ever an opportunity
.
They could never even get to itbecause they just couldn't see
(46:41):
the picture.
Well, what once you go througha little bit and work with the
family and get to know them andreally get to know what their
business model is going to want,if that pasture land that's
contiguous to them is reallygoing to suit their needs and
how that will all work with themand what they can do with the
(47:03):
row crop land, the acres thatare with it and such like that,
and just to be able to work withthem from that standpoint.
Look at their debt to assetratio and what maybe assets do
they have, or maybe notproducing as much income for
them anymore, or to be able to,that are not a productive part
(47:27):
of their business that's thebest way to say it.
What assets that they had thatwere not a productive part of
their business as much, becauseit was something that they
really weren't looking at, theyjust have.
They just looked at well, wehave these assets, we have this,
we have that, we have thisequipment.
But is it, was it better to beable to?
Maybe in this case it was to beable to sell some of the
(47:48):
equipment and look at leasing orrenting because of that aspect
of their operation and really beable to piece things together
and redo their balance sheet.
And then it was like, all of asudden, you could just see their
eyes and it's nice to not justlook at the eyes from the
producer In this case it was thehusband but the family, his
(48:14):
spouse and his older children.
Like we can make this happen,you know, through the
interaction of working with themover a number of weeks, months,
whatever that may be, to beable to spend time with them and
really see that this can reallyhappen.
We can do this.
Four months ago, five monthsago, we didn't think there was
(48:36):
any way and so, yeah, I don'tknow if that's a crazy aspect or
not, but in a way it is,because I've been there
personally thinking, oh, I mightnot ever be able to do that,
but, you know, with the rightpeople in the life of my wife
and I, being able to reallyspend some time and have people
that have offered that care andconcern and work with us, it's
(49:00):
like, you know, when that lightbulb goes off, that you can make
something happen and you can goforth with your business plan
for the next five, 10 years,whatever you think it might be,
your family business plan.
I tell you it's really neat tobe involved with that, and I
(49:21):
guess that's what I throw outthere as probably, if anything,
it's that's.
That's just kind of the crazypart, I guess.
However, you want to say it,but it's a neat thing to be
involved in and see how thatworks.
Speaker 1 (49:36):
Yeah, I always said that when I first got involved
in real estate, I sold housesand the first time you sit down
with a first home buyer at aclosing table and you like watch
the process, go through theprocess with them from the time
from educating them on how theycan buy a home till handing them
(49:57):
the keys to their first home,it's an addiction that you know
and I think it doesn't changeany from you know, helping
people through that process ofgetting that perfect piece of
property that fits just right inwith their operation.
(50:18):
It's a similar feeling where youcan help somebody, not just
make it work, but it fits justperfect.
So I totally understand whereyou're coming from there.
Yeah, you, if you could justlook into the, you know, look
out at the audience and tellpeople, you know that that first
time buyer or whatever outthere, if you could just give
them one piece of advice todaybefore we take off, um, that
(50:42):
they could take away, what wouldthat piece of advice be like?
One thing that we talked abouttoday that they, that they, they
should take away from today.
Speaker 4 (50:49):
You bet, do do not, you know, do not be afraid to,
to reach out and and to ask um,if, if you have a, a thought, or
oh, I would really, why can'twe do this would really, why
(51:14):
can't we do this?
Is this a possibility to reachout to myself or somebody else?
Whatever, I'm just going to say, be able to reach out and talk
to somebody that may be able tohelp walk them through some
possibilities, to be able totake their information right,
take their thoughts, theirviewpoints, what they see, their
dream of the possibilities.
Because I believe, if you, Itruly believe, if you, if you
(51:50):
just hold that in and you're notseeking, seeking out the folks
that can offer any of thatsupport or that help, you just
may not see the picture veryclear and do not be afraid to
reach out and ask.
You know it just helps you.
(52:12):
Put those logistical answers infront of you so that you can,
so that a family, a producer canmake the best decisions that
they can and I see from time totime, probably too many people.
Oh, we wanted to ask you sixmonths ago or after that farm
and home show, when we talkedwith you and we had that great
(52:33):
conversation over a cup ofcoffee and some rolls.
That was awesome, and I don'tknow why my husband and I we
talked at home for for the lastnine months and and you know,
and so finally we just saidthere's his business card, let's
give him a call, and it's don'thesitate.
Don't hesitate to call 10, 20times, well before that time
(52:55):
period, because I think that'swhat helps paint a clearer
picture.
And so that's probably mybiggest advice before anything
else, because to me that's thefirst step in anything.
Speaker 1 (53:07):
So Well, you know, if you ask a question, the answer
might be no, but if you don'task a question, the answer is
always no.
The answer is always no yeah, Imean.
Yeah, that is an important,that is important to remember.
Speaker 4 (53:22):
Yeah, it's, it sounds , it sounds very simple, but you
know truth of it and I'm sure,kobe, in your industry you get
the same thing.
You know, but it truly is.
And then I have to look back onit myself.
You know I have to take thosewords and put it back on me too,
because there's times, withother things, you know, I may
(53:44):
not ask or whatever.
You know Great examples, maybewhen your kids are going off to
college oh, I don't want to ask,I don't want to ask the advisor
that or something, when yourkids may be going off and it's
like I wish I would have askedthat, you know, six months ago
when they were starting.
It's like, wow, you know, would,would we have known?
You know?
(54:04):
So, yeah, just just do not,just do not hesitate, because
that that's also how the, that'salso how you, how we work
through a relationship, um, and,and that allows us to foster a
relationship back and forthtogether, um, uh, to be able to
leave yourself vulnerable, toask those questions and and and
(54:26):
see, see what we come up with,because lots of times a good
answer can be found.
Sure, you know so.
Speaker 1 (54:34):
How do folks get a hold of you, Roger?
Speaker 4 (54:37):
You can reach me via my cell phone number
402-340-3086.
3, 4 0, 3 0, 8, 6.
Or email is our.
We see W I E S E at ag landfinancecom.
And um, yeah, there you go.
(54:57):
So, uh, best way is I just justgive me a call or a text Um yep
, 4 0, 2, 3, 4 0, 3, 0, 8, 6.
Speaker 1 (55:06):
And we will put uh your information in our show
notes so that people can get ahold of you if they need you.
Man, Appreciate your time today.
Roger Wiese, with MAC America,Ag Financing.
Speaker 2 (55:21):
Thank you so much, sir, for your time, and we will
see you all down the road, andwe will see you all down the
road as we wrap up anotherepisode of the American Land
Seller Podcast.
Thank you for joining us.
Visit wwwamericanlandsellercomand find us on one of your
favorite podcast platforms.
If you would be so kind and youenjoyed today's insights,
(55:43):
please like, subscribe, rate,follow and review us on whatever
app you are listening orwatching on.
Connect with us on social mediafor updates.
Until next week, kobe wishesyou success in your land
endeavors.
God bless you and have a greatweek.
Speaker 1 (55:59):
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