Refi for a house on 20 acres- California

[Rachael Collins]

Mortgage experts - please help!!!!

I have a house on 20 acres that we financed with private money less than two years ago. We have 5 years to cash out but would like to do so now (good rates/courtesy to the private money lender). I have discovered through a mortgage broker (not in my area) that a residence on 20 acres is not a boilerplate loan for most lenders (10 acres or less is more common)- always learning!! Do I have to  find a lender based in my area or is the broker I spoke to simply not familiar with rural properties?  

[Charlie Fitzgerald]

You need to work with a lender or broker that knows the USDA Rural loan programs.  That's your best shot.