Individual runs a hay business (with brother) on 80 acres, business includes scales, etc. This property also has individual's primary residence with office space included. Borrower wants to refinance existing debt (approx. $20,000 on land and approx. $110,000 on residence/office space) into one loan, using his individual name and his spouse (loan would not be in the name of the business). I know there is an ag exemption in Reg. Z for transactions for ag purpose that includes a dwelling, if the transaction is primarily for ag purposes. I don't think we have a "primarily" for ag purposes in this scenario. What is the best way to determine this? Follow the $?