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My Mother & sister jointly own 80 acres of Iowa farmland. My aunt is claiming she cannot get a loan, due to the joint ownership, if needed someday to supplement a long term care plan. She has no health problems, so this is more of an estate planning issue. My Mother is almost 95, lives in CA & disagrees with the no loan statement, is in ill health & almost 15 years older & wants to make no changes until her death due to past arguments over the value of each half of the land.

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No bank will issue a loan without the signature of all property owners.
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