Have a loan where the lender financed bare ag land, secured by mortgages on the land. At the time of original purpose there were no buildings and no home, not reportable.
Now she wants to refinance the remaining amount to term into yearly Ag payments, she is not doing a new mortgage (tied back to the original ones), but their home is now on the land that is on the mortgages.
Reportable as a refi?
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CRCM