Well, the saga of tractor buying is over for now. And as sadly, not as I originally intended.
My wife and I had decided on the JD 790 as being the tractor which not only fit the budget, but fit the property.
I got a couple more quotes and after factoring in all the decision points, decided which one to take. Not the cheapest, but the dealer was worth the extra to me. Decision one of the day down!
Went to the dealer and talked for a while. I had a filled out credit app, and he said he would send it to deere. He told me to call back in an hour or so and if it was approved, we would proceed! Great day so far.
After an hour I called back and he told me that Deere wouldn't qualify me for the low interest plan and would need 10% down and only give me a rate of 9.9%. Not impressive. Apparently, being in our home for under 2 years and having a little debt from school disqualified my wife and I. While we really want the tractor, we really don't want to go with this rate. /forums/images/graemlins/frown.gif /forums/images/graemlins/frown.gif /forums/images/graemlins/frown.gif
After much discussion with my wife, we decided that we'll wait until spring or next fall to purchase a tractor. By then we may be able to save up a little more and finance differently.
But all is not lost. While I will have to blow snow with my little JD 216 again this winter, there really wasn't much time for tractoring this fall anyway with me going to school for my Masters degree starting in two weeks. Honestly, I'm still really disappointed but hey -- all things God does are for a reason!
I would like to say Thank You from the bottom of our (my wife and I) hearts for all the honest and good information. I intend to continue to follow this forum and post so I will try not to be a stranger around here!
Thanks again!
By the way... I'm officially jealous of 95% of you all again!! /forums/images/graemlins/grin.gif /forums/images/graemlins/tongue.gif /forums/images/graemlins/tongue.gif /forums/images/graemlins/grin.gif