J.T. Holt, a graduate of Oklahoma State University with a Bachelor of Science in Agricultural Economics, joined Land Loan Specialists in 2008. He is responsible for managing Land Loan Specialists, a wholly owned subsidiary of Hall and Hall, in addition to farm loan lending in the southern region. His experience in agricultural lending includes managing a participation loan portfolio, appraisals of both agricultural real estate and chattels, and working with individuals from the CEO of a Fortune 500 company to the family farmer. J.T. owns the family ranch in eastern Oklahoma where he maintains a cow/calf operation. J.T. spent ten years with Farm Credit prior to becoming President of Land Loan Specialists.