I would second the Chinese route. I have a Ford 861 Power Master and needed something 4x4 and with a loader. Looked at all the name brands and for a 25-30 HP tractor I was near 18k. I bought a Jinma 254 28 HP tractor back in July 2003 brand new for $9500 and that included a 5' King Kutter Finish Mower all brand new from a dealer 45 minutes away. I have not used the Ford 5 times since getting the Jinma even though the Ford is about double the HP the Jinma just plain out works it. The King Kutter Mower was junk and replaced it with a 6' Caroni 3 years later but the tractor has been great.
To date the only thing on the tractor that has broke or needed replace that was not my fault was the Thermostat, Starter, a Hydraulic Line, and the Horn Button. It turned 570 hours yesterday. I take A+ care of the machine and it lives in the barn but work it very hard doing bush hogging, logging, snow plowing, ect. Its not a glorified lawn mower.
One thing about a tractor with a FEL. Make sure it has power steering. They drive fine with no load in the bucket but once loaded you will have to get arms like Popeye.
Another thing on HP rating. All are not on the same playing field. For example some rate on engine, some rate on draw bar, and other rate on pto. Most rate on peak HP. That means if it hits 28 HP for 1 second its a 28 HP tractor. The thing that turned me on to the Chinese tractors was they rate at a 12 hour minimum HP. So a 28 Hp tractor rates at 28 HP minimum over a 12 hour run. It may and many times does hit more. A dealer I know puts all the tractors on a PTO Dyno and says they average 31 HP on the PTO Peak which is much above the competition for a HP class.
Parts are easier to get than for my Ford. There are 4 very well stocked Chinese tractor dealers who have everything you need down to crate engines. They have web sites and always answer the phone. There are many fly by night operators which I would stay away from. When I need parts they are cheap and to me in 2-3 days via UPS. For example my starter was 1/4 the price of a friends John Deere's 30ish HP tractors Starter.
Sorry for being long winded.
Chris