The Farmers Home Administration (FmHA) is an agency of the U.S. Department of Agriculture supplying loans, including operating loans, water conservation loans, and residential mortgages to farmers in rural areas. Farmers Home Administration loans are funded by annual appropriations by Congress, and by private lenders, whose loans are guaranteed up to 90% of principal and interest. When a borrower is unable to repay a loan, FmaqHA may acquire the farm property that was pledged as security for the loan and subsequently try to sell that property to recover some or all of the unpaid debt.