I would not recommend Live Oak Bank for any loan, after speaking with Mr. Kelly he pretty much deemed us ineligible for the program just by talking to me and before even running our credit report. After speaking with him briefly I knew that he was not a representative that I wanted to be dealing with for such a big project. My son and my fiance' were also on the loan, they both have no credit history at all, and after telling me that they do sometimes help people with not credit get an approval, with a co-signer, now mind you when I spoke to Mr. Kelly the first time we asked him if we could get a co-signer would that help, and his response was "we don't work with co-signers" after I mentioned this to Mr. Murphy, after he stated that we could use a co-signer than he says, we Mr. Kelly was sort of right, and I think that was because, yes we are able to get a co-signer. Bottom line you have to be a certain type of person to be approved for an AGRICULTURE loan from this company....Don't even bother trying, if you don't, and I'll say it like Mr. Murphy said it, "if you don't fit their bill" you will NOT be approved no matter what you do. My advice, take your business somewhere else and don't waste your time with #LIveOakBank. If you disagree and had a GREAT experience with them and they did all they could do to help you....well....I guess you "fit their bill" and congratulations.