#231 - How He Bought His First Farm With No Credit History with Joe Chambers

Welcome to the land podcast, a platform for people looking to educate themselves in the world of land ownership, land investing, staying up to date with current land trends in the Midwest, and hearing from industry experts and professionals.

On today's episode, we are back in the studio with Joe Chambers.

We discuss:

How Joe moved to Nebraska in 2007 after a divorce and built Chambers Custom into a high-end pistol shop.

Why you're not a member of a Midwest community until you buy ground — ten years, zero wedding invites.

How a farmer neighbor's phone call and a passed first-right-of-refusal got Joe his first 21 acres in 2015.

Why seven years of living on cash left Joe with no credit score at all and nearly killed his first farm loan.

The bank that wouldn't write a $6,000 car loan but offered a $20,000 unsecured credit card instead.

How a 23-year-old small-town loan officer named Toby became Joe's fifteen-year lending partner.

The county records website that exposed a neighbor's 99-year windmill lease days before an auction.

Why Joe bought a 246-acre farm with no access that had been overgrazed and mined for sixty years.

The first line of Don Higgins' plan that read "I'm 90% sure Joe will not follow this" — and what happened.