10/08/2015

NO GMO Seed Companies

  • Red flowers in my garden

    GMO enhanced flowers - lol
  • Grow from Seeds
  • It's cheaper, enjoy the pleasures of digging in the dirt. But what about GMO seeds?
  • Vegetable gardeners have the satisfaction of control over food source. Growing vegetables from seeds requires patience, but it also shares a lot of nurturing and connecting with Mother Earth. Gardening is a wonderful hobby that allows people to be outdoors, beautify their homes, spend time together, and save a lot of money. However, the concept of controlling a food source is frightening on a global, long-term scale. 
  • Home gardening seed businesses generally never sell GMO seeds, it is too darn expensive. Putting up signs on retail displays "GMO free"  creates an impression that home seed companies are using GMO seeds. No seed company that sells one and two dollar seed packets to home gardeners could afford seeds that are genetically modified. The difference between genetically modified seeds through bio-engineering and hybrid seeds must be understood. Hybrid seeds are safe and are the result of natural pollination – not unnatural gene splicing. Hybrids are created from taking the best of both attributes of two different plants in normally a very controlled environment. Bees cross pollinate flowers and vegetable varieties in my garden and the seeds I save to give away or trade may not be true to the original color. 
  • Bio-engineered crops (GMO’s) genetically modified organisms or better called Genetically Engineered are a danger to our food supply.  These are produced by large chemical companies that spend millions of dollars for the commercial farming market. Farmers  can choose seed that is not GMO but it might eat at their profits to choose seed that  may  not have the exact traits for their soil, climate and desire for yield. Monsanto creates new seed varieties that are resistant to Roundup applications for weed reduction, and any millions of chosen traits. What they do in the process is also make certain the seeds cannot be saved, dried and grow a second crop. The seed offspring either never produces or is not fertile. Why would farmers want to use this? Better yields and larger profits...
  • As a lifelong home gardener my is theory to I plant huge variety from seeds and don't use chemicals. I trade seeds online in a couple seed banks for free. I'm offering this information to home gardeners who may be getting seed catalogs this winter.  I love to look at the photographs and dream about what I might try next season. 
  • Here's a list of NOT Genetically Engineered seed companies please check their websites and order vegetable and flower seeds for your home yard


  • Go look at the links great photographs, garden how to, DIY, 
  • adventure!


    ALABAMA:
    The Tasteful Garden
    973 County Road 8
    Heflin, AL 36264
    http://www.thetastefulgarden.com/
    Tele: 256-403-3413
    ALASKA: 

    Foundroot
    PO Box 289
    Palmer, AK 99645
    Email: foundrootseeds@gmail.com
    www.foundroot.com


    ARKANSAS:

    Bountiful Farm
    1199 CR 935
    Green Forest, AR 72638


    ARIZONA: 


    Aravaipa Heirlooms
    PO Box 72
    Oracle, AZ 85623
    http://www.aravaipa.com

    Hatching Bunnies Farm
    Gilbert, AZ
    Email: hatchingbunniesfarm@cox.net

    Humble Seed
    7119 E. Shea Blvd.
    #109-394
    Scottsdale, AZ  8525-6107
    Tel: 877-956-SEED (7333)
    Fax: 480-347-0837
    www.humbleseed.com

    Native Seeds/SEARCH
    3584 E. River Road
    Tucson, AZ 85718
    Tel: 520-622-0830
    Fax: 520-622-0829
    www.nativeseeds.org  

    Old Pueblo Plant & Seed Company
    P.O. Box 86441
    Tucson, AZ  85745-6441
    Tel: 520-201-2136
    Fax: 623-201-2136
    www.oldpueblocompany.webs.com 

    Sherizona Seed Co.
    23336 N 120th Lane
    Sun City, AZ 85373
    www.sherizona.com

    Terroir Seeds LLC home of Underwood Gardens
    P O Box 4995
    Chino Valley, AZ 86323
    Tel/Fax: 888-878-5247
    www.UnderwoodGardens.com

    Westwind Seeds and Gardenscapes LLC
    6336 N. Oracle  #326-246
    Tucson, AZ  85704
    Tel: 520-887-2106
    Email: reggie@westwindseeds.com
    www.westwindseeds.com 


    CALIFORNIA :

    All Good Things Organic Seeds
    999 Fairview Road
    Ojai, CA  93023
    Tel: 805-758-3184
    www.agtoseeds.com

    Big Bang Seed Company
    525 S. Franklin Street
    Fort Bragg, CA 95437

    Bountiful Gardens
    18001 Shafer Ranch Rd
    Willits , CA 95490
    Tel: 707-459-6410
    Fax:707-459-1925
    Email: bountiful@sonic.net
    www.bountifulgardens.org

    Cityscape Seeds
    8726 S. Sepulveda
    Suite D-241
    Los Angeles, CA 90045
    Con Semilla Seed Co.
    60 S. Fairview Ave.
    Santa Cruz, CA
    www.ConSemilla.com
    Cornucopia Seeds
    6060 Graham Hill
    Felton, CA 95018
    www.cornucopiaseeds.com

    Deb's Kitchen
    12578 Montecito Road
    Seal Beach, CA 90740
    Tel: 562-243-3926
    www.debskitchen.com

    Diaspora Seeds
    P.O. Box 755
    Boonville, CA 95415
    eCruzin.com
    204 Owetzal Lane
    Riverside, CA 92507

    Environmental Seed Producers
    PO Box 2709
    Lompoc, CA 93438
    Tel: 805-735-8888
    Fax: 805-735-8798
    www.espseeds.com 
    Flora's Organics
    2295 Brite St.
    Bakersfield CA 93304
    Email:florasorganics@gmail.com
    www.florasorganics.com
    Food for Bees
    P.O. Box 135
    Duncans Mills, CA 95430
    Gowantoseed
    P.O. Box 1476
    Santa Cruz, CA
    Green Mountain Resources, LLC
    6965 El Camino Real
    Carlsbad, CA 92009
    Tel: 619-488-3744
    www.GreenBizness.com

    Harmony Farm Supply and Nursery
    3244 Gravenstein Hwy N
    Sebastopol, CA 95472
    Tel: 707-823-9125
    Email: rick@harmonyfarm.com
    www.harmonyfarm.com 

    Home Farmer
    PO Box 7050
    Santa Maria, CA 93456
    Tele: 855-DIG-SEED
    Email: brian@homefarmer.com
    www.HomeFarmer.com

    Jacob's Farm/Del Cabo, Inc.
    P.O. Box 508
    Pescadero, CA  94060

    Kitazawa Seed Company
    201 4th Street  #206
    Oakland, CA 94607
    www.kitazawaseed.com

    KUSA Seed Research Foundation
    PO Box 761
    Ojai , CA 93024

    Laughing Frog Farm
    PO Box 145
    Laytonville, CA 95454

    Living Seed Company
    P.O. Box 177
    Point Reyes Station, CA 94956
    Tel: 415-663-8002
    Email: info@livingseedcompany.com
    Morning Song Farm
    4805 5th Street
    Rainbow, CA 92028
    The Natural Gardening Company
    541 King Road
    Petaluma, CA 94952
    Tel: 707-766-9303
    Fax: 707-766-9747
    www.naturalgardening.com

    Organic.biz
    355 Brookside Dr.
    Richmond, CA 94801
    www.organic.biz
    Orpheus Hills
    930 Orpheus Ave.
    Encinitas, CA 92024
    Peaceful Valley Farm Supply
    PO Box 2209
    Grass Valley, CA 95945
    Tel: 888-784-1722
    Fax: 530-272-4769
    Email: contact@groworganic.com
    www.groworganic.com 

    Pearson's Gardens
    1150 Beverly Dr.
    Vista, CA 92084
    Email: info@pearsonsgardens.com

    Redwood City Seed Company
    Box 361
    Redwood City, CA 94064
    Tel: 650-325-7333
    www.redwoodcityseed.com 

    Redwood Seeds
    PO Box 431
    Manton, CA 96059
    Email: info@redwoodseeds.net
    www.redwoodseeds.net

    Renee’s Garden
    7359 West Zayante Road
    Felton, CA 95018
    Tel: 831-335-7228
    Fax: 831-335-7227
    www.reneesgarden.com

    Rolling Hills Herbs & Heirloom Annuals
    1304 Rolling Hills Road
    Redland, CA  92374
    Roots Ranch
    3819 Grizzly Creek Rd.
    Yankee Hill, CA  95965
    www.RollingHillsHerbs.com

    San Diego Seed Company
    1272 Cypress Ave
    San Diego, CA 92103

    Seed Dreams
    PO Box 120267
    San Diego, CA 92112-0267
    Santa Cruz, CA 95061
    Tel: 831-234-8668

    Seeds of Change
    2555 Dominges Drive
    Rancho Dominges, CA 90200
    Tel: 888-762-7333
    www.seedsofchange.com

    SeedsNow
    PO Box 1820
    Thousand Oaks, CA 91358
    www.SeedsNow.com

    SmartSeeds
    1440 Via Zurita
    Claremont, CA  91711

    Sprout People
    170 Mendell Street
    San Francisco, CA 94124
    Tele: 415-370-9171

    Sunshine Gardens & Water Systems
    50 Horsewater Lane
    Hayfork, CA 96041-1450

    Sustainable Seed Co.
    POB 636
    Petaluma, CA  94952
    Tele: 877-620-SEED
    www.SustainableSeedCo.com

    TomatoFest Organic Heirloom Tomato Seeds
    P.O. Box 628
    Little River, CA 95456

    Underground Seeds
    208 S State Street
    Ukiah, CA 95482

    ZZIGGYSGAL
    101 Cottonwood Street
    Woodland, CA 95695


    COLORADO: 

    2BSEEDS
    5023 W. 120th Ave. #312
    Broomfield, CO  80020
    www.2BSEEDS.com 
    Tel: 1-800-833-5988
    Email: custserv@2bseeds.com
    Anahata Farms LLC
    4423 East 7th Avenue
    Denver, CO 80220
    BBBseed
    6595 Odell Place, Unit G
    Boulder, CO  80301
    www.bbbseed.com

    Botanical Interests, Inc.
    660 Compton Street,
    Broomfield, CO 80020
    Tel: 303-464-6464
    Fax: 303-464-6468
    Email: inform@botanicalinterests.com
    www.botanicalinterests.com  


    H.M Blooms Company
    2951 Cirxling Hawk Street
    Grand Junction, CO 81503
    www.hmbloomscompany.com

    High Mountain Seeds
    12746 County Road 255
    Westcliffe, CO 81252

    eGarden Seed. com/Sunshine & Rain LLC
    836 1/2  Main Street
    Louisville, CO 80027

    Golden Harvest Organics LLC
    404 North Impala Drive
    Fort Collins, CO 80521
    Fax: 413-383-2836
    www.ghorganics.com  

    Grant's Plants, Seeds & Such
    7048 S. Fairifax Street
    Centennial, CO 80122
    Tel: 303-263-5840
    email: grant@grantsplants.com
    Hobbs Family Farm
    DBA Farm Direct Organic Seed
    PO 411
    Avondale, CO 81022
    www.farmdirectseed.com

    Lake Valley Seed
    5717 Araphoe Avenue
    Boulder, CO 80303
    Tel: 970-250-0951
    www.LakeValleySeed.com
    Sage Thymes
    8550 W. Ohio Place
    Lakewood, CO 80226
    Tel: 720-480-1017
    www.sagethymes.com

    Sourcepoint Seeds
    26422 Moss Rock Road
    Hotchkiss, CO 81419
    numminragi@yahoo.com

    CONNECTICUT:

    Butterbrooke Farm
    78 Barry Rd
    Oxford, CT 06478
    Tel: 203-888-2000

    Comstock Ferre & Co.
    263 Main St.
    Wethersfield, CT 06109
    Tel: 860-571-6950
    Fax: 860-571-6595
    www.comstockferre.com 

    John Scheepers Kitchen Garden Seeds
    23 Tulip Drive
    Bantam, CT 06750
    Tel: 860-567-6086
    Fax: 860-567-5323
    www.kitchengardenseeds.com 

    New England Seed Company
    3580 Main Street, Bldg 10
    Hartford, CT 06120
    Tel: 800-825-8477
    Fax: 877-229-8487
    Email: neseed@.com
    www.neseed.com 

    Select Seeds Company
    180 Stickney Hill Road
    Union, CT 06076
    Tel: 860-684-9310
    Fax: 860-684-9224
    Email: info@selectseeds.com
    www.selectseeds.com

    DELAWARE:
    The Strawberry Store, LLC
    & Strawberry Seed Store
    Middletown, DE 19709
    Tele: 302-378-3633
    www.thestrawberrystore.com
    www.the strawberryseedstore.com
    http://blog.thestrawberrystore.com

    FLORIDA:
    Bingham's Branch
    8625 Harrison Road
    Lakeland, FL 33810
    https://binghamsbranch.com
    back2thebeginning - Tropical Fruit & Medicinal Herb Farm
    Davie, FL 33325
    Tele: 954-789-1488
    Email: greenlivingmiami@gmail.com
    Chia Growers, Inc.
    1300 Seaway Drive
    Suite A-3
    Ft. Pierce, FL 34949

    E.O.N.S., Inc.
    P.O. Box 4604
    Hallandale, FL 33009
    Tel: 954-454-6186
    Fax: 954-458-5976
    www.eonseed.com 

    Florida Mycology Research Center
    P.O. Box 18105
    Pensacola, FL 32523
    Tel: 850-327-4378
    www.mushroomsfmrc.com
    Forage, Inc.
    PO Box 358256
    Gainesville, FL 32635
    www.foragefarm.org

    Grower Jim's Plants and Produce LLC
    Apopka, FL 32703
    www.growerjim.blogspot.com

    Growin' Crazy Acres
    5344 Culbreath Road
    Brooksvillel, FL  34601
    www.growincrazyacres.com

    Healthy Harvest Seed Company, LLC.
    519 S. Adams Street
    Beverly Hills, FL 34465
    Tele: 855-340-3451
    www.healthyharvestseedcompany.com
    Mary's Heirloom Seeds
    1850 Monroe Street
    Hollywood, FL 33020
    Tele: 954-654-3501
    http://marysheirloomseeds.com/
    Natural Health Center
    Post Office Box 422
    Venus, FL 33960
    www.walshbotanicals.net
    Organic Sanctuary
    1319 Cochran Road
    Geneva, FL 32712
    www.organicsanctuary.com
    QR Seeds Inc.
    P.O. Box 24
    Plymouth, FL. 32768
    Tel: 352-345-7387
    www.qrseeds.com   

    The Pepper Gal
    P.O. Box 23006
    Ft. Lauderdale, FL 33307
    Tel: 954-537-5540
    Fax: 954-566-2208
    Email: peppergal@mindspring.com

    Self Reliance Strategies, LLC
    282 Knot Hole Circle
    Chuluota, FL 32766
    Tel: 321-696-9102
    www.selfreliancestrategies.com

    TBN Gardens & Groves
    6119 Illinois Ave.
    NPR, FL  34653-9211
    www.tinyurl.com/tbngg
    S.O.S. Victory Gardens Seed Company
    4700 S. Lovering Pt.
    Inverness, FL 34450
    Two Seeds in a Pod
    P.O Box 291278
    Tampa, FL 33687
    Email: contact@twoseedsinapod.com
    www.twoseedsinapod.com 

    VeganSeeds LLC
    2659 East Gulf To Lake Highway #181
    Inverness, FL 34453
    www.veganseeds.com

    GEORGIA:

    Flora Hydroponics, Inc.
    195 Paradise Blvd.
    Athens, GA 30607

    Mizz Tizzy's Weeds and Seeds
    1321 Princess Drive
    Winder, GA 30680-7444
    Tel: 770-870-4341
    Email: mizztizzy2@gmail.com
    www.mizztizzysweedsandseeds.com

    South GA Seed Co.
    1095 Old Pelham Road
    Climax, GA 39834
    Email: customerservice@southgaseedco.com
    www.southgaseedco.com

    HAWAII:
    Aina Aloha o Na Lima Hana
    45-559 Luluku Rd.  #A3
    Kaneohe, HI 96744
    Email: mpaikulistride@yahoo.com
    Non-GMO Hawaii Heirloom Seeds
    562 Lauiki Street, Suite 2
    Honolulu, HI 96826
    Email: contact-us@non-gmo-hawaii-heirloom-seeds.com
    www.non-gmo-hawaii-heirloom-seeds.com

    IDAHO: 

    Box Garden Organics
    Ammon, ID 83406
    EarthCare Seeds
    9880 Canyon Creek Bend Road
    Hammett, ID 83627
    www.earthcareseeds.com
    Earthly Delights Farm
    2609 Arthur St.
    Boise, ID 83703

    High Altitude Gardens and Seeds Trust
    4150 Black Oak Drive
    Hailey, ID 83333
    Tel: 208-788-4363
    Fax: 208-788-3452
    Email: mcdorman@seedsave.org
    http://www.seedstrust.com
    My Patriot Supply
    414 Church Street
    Suite 201
    Tel: 866-229-0927
    www.MyPatriotSupply.com 
    ILLINOIS:

    Borries Open Pollinated Seed Corn Farm
    16293 E. 1400th Ave
    Teutopolis, IL 62467
    Tel: 217 857-3377 
    GROWNGIVE
    1002 Douglas Road
    Elgin, IL 60120

    Safeguard Seeds
    P.O. Box 1036
    Mokena, IL 60448
    Tel: 855-730-7333

    Underwood Gardens
    1414 Zimmerman Road
    Woodstock, IL 60098
    Email: info@underwoodgardens.com
    www.underwoodgardens.com 

    INDIANA:
    Garden Harvest Supply Inc.
    2952W 500S
    Berne, IN 46711
    www.gardenharvestsupply.com/productcart/pc/home.asp

    Grannys Seeds
    10011 Waters Edge Drive
    Elberfeld, IN 47613
    Tel: 812-204-7783
    www.grannysseeds.com
    Gurney's Seed and Nursery
    P.O. Box 4178
    Greendale, IN 47025-4178
    Henry Field's Seed & Nursery Co.
    PO Box 397
    Aurora, IN 47001-0397
    Micro Farms America4337
    E Bill Mallory Blvd.
    Bloomington, IN 47401
    Tel: 812-679-3142
    www.microfarmsamerica.com

    Nature's Crossroads, LLC
    230 West Church Lane
    Bloomington, IN 47403
    www.naturescrossroads.com 

    Rich Farm Garden Supply
    985 W. State Rd. 32
    Winchester, IN 47394
    www.richfarmgarden.com

    Roots Professional Growers
    3254 E. 900 N
    Ossian, IN 46777

    Tanglewood Berry Farm
    2427 S. Hadley Road
    Fort Wayne, IN 46804

    The Chile Woman
    1704 S. Weimer Road
    Bloomington, IN 47403
    www.thechilewoman.com

    Urban Farmer
    5427 N. Delaware Street
    Indianapolis, IN 46220
    www.ufseeds.com


    IOWA: 

    Blue River Hybrids
    27087 Timber Road
    Kelley, IA 50134
    Tel: 800-370-7979

    Sand Hill Preservation Center
    1878 230th St
    Calamus, IA 52729
    Tel: 319-246-2299

    Seed Savers Exchange
    3094 North Winn Road
    Decorah, IA 52101
    Tel: 608-382-5990
    Fax: 608-382-5872
    www.seedsavers.org 

    KANSAS: 

    Girasole, Inc. (DBA Seeds from Italy)
    P.O. Box 3908
    Lawrence, KS 66046
    www.growitalian.com

    Kansas City Heirlooms & Organics
    14914 W. 150th Terrace
    Olathe, KS 66062
    www.sealedseeds.org

    Midwest Chileheads LLC
    4218 SE Tecumseh Road
    Tecumseh, KS 66542-9588
    www.midwestchileheads.com

    Skyfire Garden Seeds
    1228 N. 7th
    Salina, KS 67401

    KENTUCKY: 

    Ferry Morse Seed Company
    600 Stephen Beale Drive
    P.O. Box 1620
    Fulton, KY 42041
    Tel: 800-626-3392
    Fax: 502-472-0566

    Moseybeau Farms
    209 Otter St.
    Danville, KY 40422


    LOUISIANA

    Thriftyhut
    418 Boulevard St.
    Shreveport, LA  71104


    MAINE: 

    Allen, Stirling & Lothrop
    191 US Route 1
    Falmouth, ME 04105

    FedCo Seeds
    PO Box 520A
    Waterville, ME 04903
    Tel: 207-873-7333
    Fax: 207-872-8317
    www.fedcoseeds.com
    Groundswell Seed Farm
    624 Kennebec River Rd.
    Embden, ME 04958
    Tel: 207-643-1006
    Email: info@groundswellseedfarm.com
    www.groundswellseedfarm.com
    The Heirloom Garden of Maine
    512 North Ridge Road
    Montville, ME  04941
    Tel: 207-342-2116
    Fax: 207-342-3407
    Email: info@theheirloomgarden.com
    www.theheirloomgarden.com 

    Johnny's Selected Seeds
    955 Benton Avenue
    Winslow, ME 04901
    Tel: 207-861-3900
    Fax: 800-738-6314
    Email: homegarden@johnnyseeds.com
    www.johnnyseeds.com
    The Maine Potato Lady
    PO Box 65
    Guilford, ME 04443
    Tel: 207-343-2270
    www.mainepotatolady.com

    Pinetree Garden Seeds
    PO Box 300
    New Gloucester, ME 04260
    Tel: 207-926-3400

    Wood Prairie Farm Organic Seed Potatoes
    49 Kinney Rd
    Bridgewater, ME 04735
    Tel: 800-829-9765
    Fax: 800-300-6494
    www.woodprarie.com

    MASSACHUSETTS:
    Melrose Seed Library
    69 West Emerson St.
    Melrose, MA 02176
    MARYLAND:

    My Seed Cellar
    P.o. Box 5
    Marion Station, MD 21838

    Where the Wild Things Grow
    55 Douglas Avenue
    Lonaconing, MD  21539

    MICHIGAN:

    Annie's Heirloom Seeds
    12123 Darby Rd.
    Clarksville, MI 48815
    www.anniesheirloomseeds.com

    Eden Elements, LLC
    3550 Cooley Lake Road
    Milford, MI 48381

    Garden Hoard
    14307 Alexander Street
    Livonia, MI 48154
    www.GardenHoard.com

    Indoor Harvest Gardens
    East Lansing, MI 48823
    www.indoorharvestgardens.com

    Michigan Heirlooms
    209 E. Wardlow Rd.
    Highland, MI 48356
    www.MichiganHeirlooms.com

    MyHeirloomSeeds - AMAL Enterprises LLC
    12851 Metteal
    Detroit, MI 48227
    Nature and Nurture Seeds
    114 Eighth Street
    Ann Arbor, MI 48103
    www.natureandnurtureseeds.com
    Tel: 734-929-0802
    Orchard House Heirlooms
    216 S. Paul St.
    Dowagiac, MI 49047
    www.orchardhouseheirlooms.com

    Organic Heirloom Plants
    51594 Boston Road
    Hancock, MI 49930
    www.organicheirloomplants.com

    Raden's Garden Seeds
    19428 Westcrest Dr.
    Tustin, MI 49688
    www.radensgardenseeds.com

    Todd's Seeds
    46495 Humboldt Dr.
    Novi, MI 48377

    Walters Seed Company
    65 Veteran's Drive
    Holland, MI 49423

    MINNESOTA: 

    Cheap Seeds
    3591 210 Street
    N. Hawley, MN  56549

    EnJoy Garden Fresh Farm
    15106 419th Ave. SW
    East Grand Forks, MN 56721

    Fruits Nuts and Vegetables Farms LLC
    15383 273rd St.
    Fort Ripley, MN 56449

    Melissa's Seeds
    PO Box 242
    Hastings, MN 55033
    Urban Garden Seeds LLC
    908 15th Ave S.  #1
    Minneapolis, MN 55404

    MISSOURI:

    Baker Creek Heirloom Seeds
    2278 Baker Creek Road
    Mansfield, MO 65704
    Tel: 417-924-8917
    www.rareseeds.com 

    Barney's Ginseng Patch
    433 SSE Highway B
    Montgomery City, MO 63361
    Tel: 573-564-2575

    Burkholder Greenhouse LLC
    RR3  Box 169
    Edina, MO 63537
    Tel: 660-397-4115

    Changing Season's Nursery & Heirloom Seed
    369 Highway 42
    Iberia, MO 65486

    Country Creek Acres
    8816 Manchester Road 238
    Brentwood, MO 63144-2602

    Gardeners Choice Heirloom Seeds
    P.O. Box 642
    Bolivar, MO  65613
    www.gardenerschoiceheirloomseeds.com 

    Granny's Heirloom Seeds
    P.O Box 264
    Humansville, MO 65674
    Tel: 417-350-7065
    http://www.grannysheirloomseeds.com  

    Green Thumb Seeds
    17011 West 280th Street
    Bethany, MO 64424

    Greyson Organics LLC
    163 Prairie Fork Road
    Montgomery City, MO 63361

    Morgan County Wholesale
    18761 Kelsay Road
    Barnett, MO 65011
    Tel: 573-378-2655

    SeedGeeks, LLC
    8816 Manchester Road, Ste. 114
    Saint Louis, MO 63144
    Tel: 314-720-1820
    Email: info@seedgeeks.com
    www.seedgeeks.com
    Sullivan's Greenhouse, Pantry Garden Herbs
    4202 E. 307th St.
    Cleveland, MO 64734
    www.sullivansgreenhouse.com
    www.pantrygardenherbs.com
    White Harvest Seed Co.
    1744 Pyatt Road
    Hartville, MO 65667
    Tel: 866-424-3185
    Email: grow@whiteharvestseed.com
    http://whiteharvestseed.com


    MONTANA

    Liberation Seeds
    728 Dry Gulch Road
    Stevensville, MT 59870
    Email: liberationseeds@gmail.com
    www.liberationseeds.com

    Planet Natural
    1251 N. Rouse Ave.
    Bozeman, MT 59715
    Tel: 406-551-2240
    www.PlanetNatural.com

    Red Gate Garlic LLC
    4606 Watt Lane
    Stevensville, MT 59870

    Soper Family Farm
    36 Cherry Valley Road
    Glasgow, MT 59230

    The Good Seed Company
    6475 Highway 93S
    Suite 52, PO Box 4906
    Whitefish, MT 59937
    Tel: 496-471-3284
    www.goodseedco.net

    NEBRASKA
    Ashburn Aquaponics & Northwind Propagation
    83941 HWY 45
    Tilden, NE 68781

    NEVADA

    Charles C Harmon Co. LLC
    Home and Garden America
    2457 Merritt Dr.
    Carson City, NV 89701
    Tele: 888-582-6650
    Guidesaver
    848 N. Rainbow Blvd.  #519
    Las Vegas, NV 89107

    God Seed Planet, LLC
    3225 McLeod Drive
    Suite 100
    Las Vegas, NV 89121
    Email: godseedplanet@gmail.com

    NEW HAMPSHIRE: 

    BLM Enterprises/Markham Farm
    283 Turnpike Road
    New Ipswich, NH 03071
    Tel: 603-878-4509
    Fax: 603-878-5990
    www.markhamfarm.com
    MicroGreensNH
    23 Northbrook Road
    Belmont, NH 03220

    New Earth Organic Farm
    P.O. Box 466
    Colebrook, NH 03576

    NEW JERSEY:

    Cross Country Nurseries/ChilePlants.com
    P.O. Box 170
    199 Kingwood Locktown Rd.
    Rosemont, NJ  08556-0170
    www.ChilePlants.com

    Dirt Goddess Super Seeds
    Sparta, New Jersey
    www.DirtGoddessSeeds.com 


    NEW MEXICO: 

    Cicuye del Rio Pecos Farmer's Cooperative
    HC 74 Box 842
    Pecos, NM   87552

    Creekside Garden
    PO Box 707
    Reserve, NM  87830
    Tel: 575-533-6768
    Fax: 575-533-6768

    Gourmet Seed International, LLC
    HC12 Box 510
    Tatum, NM 88267-9700
    Tel: 505-398-6111
    Fax: 505-398-6151
    Email: customerservice@gourmetseed.com
    www.gourmetseed.com 

    Italian Seed and Tool
    HC12 Box 510
    Tatum, NM 88267-9700
    Tel: 505-398-6111
    Fax: 505-398-6151
    Email: customerservice@italianseedandtool.com
    www.italianseedandtool.com  
    J&L Gardens
    60 County Road 11
    Espanola, NM 87532
    Light Green Thumb Seeds
    P.O. Box 541
    Sandia Park, NM 87047

    New Mexico Tree and Garden Center
    5194 27th Ave. NE
    Rio Rancho, NM 87144
    Tel: 505-867-6759
    www.nmtreeandgardencenter.com

    Plants of the Southwest
    Agua Fria Street
    Santa Fe, NM 87507
    Tel: 505-438-8888
    Fax: 505-438-8800
    www.plantsofthesouthwest.com 

    Pollinator Nation
    P.O. Box 541
    Sandia Park, NM 87047
    Tel: 505-220-2726
    www.pollinatornation.com

    Sweetly Seeds
    PO Box 1542
    El Prado, NM 87529
    www.sweetlyseeds.com

    NEW YORK:

    Beaver Dam Farms
    4 Driftwood Lane
    East Hampton, NY 11937
    Bentley Seeds
    16 Railroad Ave.
    Cambridge, NY 12816
    http://www.bentleyseeds.com
    the Creambelt Seed Co.
    191 Cramer Rd.
    Ballston Spa NY 12020

    Custom Grown Ltd.
    181 North 5th Street
    Bethpage, NY 11714
    DollarSeed.com
    PO Box 504
    Cortland, NY  13045

    Food Pantry Farm, Inc.
    P.O. Box 181
    East Hampton, NY 11937

    Fruition Seeds
    5920 County Road  33
    Canandaigua, NY  14424
    Tel:  585-300-0699
    www.fruitionseeds.com

    Invincible Summer Farms
    PO Box 1294
    Sound Beach, NY 11789
    Mycek Gardens
    6367 State Highway 30
    Amsterdam, NY 12010
    New York Botanicals, LLC
    2-01 50th Ave.
    Long Island City, NY 11101
    www.nybotanics.com

    Ommas - Aarden
    PO Box 273
    Port Leyden, NY 13433
    Tel: 315-681-0351
    Fax: 315-348-4442 (Please call ahead)
    Email: ommas.aarden@yahoo.com
    www.ommas-aarden.net

    On Warren Pond Farm & Seed Co.
    6200 Deer Run Lane
    Trumansburg, NY 14886

    Pase Seeds
    1581 Milestrip Rd.
    North Collins, NY 14111

    Rooftop Ready Seeds
    15 Lawton St.  #11
    Brooklyn, NY 11221
    www.rooftopready.com

    The Sample Seed Shop
    978 Riverview Blvd.
    Tonawanda, NY 14150-7862

    Turtle Tree Seed
    10 White Birch Road
    Copake, NY  12516

    WinterSown Educational
    1989 School Street
    East Meadow, NY
    wintersown@optonline.net 
    http://www.wintersown.org 

    NORTH CAROLINA: 

    Brandon's Gardens
    3701 Raleigh Road
    Henderson NC 27537
    Cherrygal.com
    217 Brehon Street
    Warrenton, NC 27589
    Email: cherrygal@nc.rr.com
    www.cherrygal.com 

    Christopher Weeks Peppers
    PO Box 3207
    Kill Devil Hills, NC 27948
    Email: peppers@pinn.net

    East Branch Ginger LLC
    PO Box 321
    Pittsboro, NC 27312
    www.eastbranchginger.com

    Eden Brothers
    34 Old Brevard Rd.
    Ashville, NC 28806
    www.edenbrothers.com

    Garden in the Koop, Inc.
    112 Baldwin Road
    Hillsborough, NC 27278
    J & D Heirloom Seeds
    1904 Moravian Falls RD
    Moravian Falls, NC 28654
    www.jdheirloomseeds.com

    Sow True Seed
    146 Church St.
    Asheville, NC  28801
    www.sowtrueseed.com 

    NORTH DAKOTA:

    Bohan Seed & Supply
    PO box 352
    Rugby, ND 58368
    www.bohanseeds.com

    Prairie Road Organic Seed
    9824 79th Streeet SE
    Fullerton, ND 58441
    Tel: 701-883-4416
    Email: dtpodoll@drtel.net
    www.prairieroadorganic.com

    OHIO:  

    Ant Laura's Garden
    643 Poplar Street
    Coshocton, OH 43812
    www.antlaurasgarden.com

    Cleveland Seed Bank
    8334 Mentor Ave.
    Colonial Bldg.  Suite 103
    Menton, OH 44113

    Companion Plants, Inc.
    7247 N. Coolville Ridge
    Athens, OH 45701
    Tel: 740-592-4643
    Fax: 740-593-3092
    Email: complants@frognet.net
    www.companionplants.com 

    Livingston Seed Inc.
    830 Kinnear Rd.
    Columbus, OH 43212
    Tel: 1-800-848-2970
    Local: 614-488-1163
    Fax:  614-488-4857
    Email: info@livingstonseed.com
    www.livingstonseed.com

    Secret Seed Cartel
    P.O. Box 564
    Sharon Township, OH  44274

    The Little Red Truck Farm
    Norwalk, OH
    www.thelittleredtruckfarm.com


    The Seed Conservatory
    Tipp City, Ohio
    theseedconservatory.com

    The Snarky Gardener
    5090 State Route 43
    Kent, OH 44240
    www.thesnarkygardener.com
    OKLAHOMA: 


    Clear Creek Seeds
    P.O. Box 763
    Locust Grove, OK  74352
    Tel: 918-386-0546
    www.clearcreekseeds.com

    Red Sky Farm
    35545 EW1170
    Seminole, OK  74868
    Tel: 405-382-9883
    Email: redskyfarm@rsib.net

    Survival Essentials
    P.O. Box 153
    Wagoner, OK 74477-0153
    Tel: 918-845-1800
    www.HeirloomSeedsOnline.com

    The Seed Guy
    18165 South Elm Road
    Claremore, OK 74019
    Tel:  918-906-7381
    Email: danny@theseedguycom
    www.theseedguy.com

    OREGON: 


    Adaptive Seeds
    25079 Brush Creek Road
    Sweet Home, OR 97386
    Email: adaptiveseeds@gmail.com
    www.adaptiveseeds.com

    Boondockers Seed Company
    84638 Cloverdale Road
    Creswell, OR 97426
    Tel: 541-689-0881
    www.BoondockersFarm.com 

    Folly Farm
    P.O. Box 101
    Cove, OR 97824

    Goodwin Creek Gardens
    PO Box 83
    Williams, OR 97544
    Tel: 800-846-7359
    Fax: 541-846-7357
    www.goodwincreekgardens.com  

    Green Journey Seeds
    P.O. Box 38
    Veneta, OR 97487
    www.poppyswap.com/shop/greenjourneyseeds

    Heirloom Organics, LLC
    1806 NW 6th St., Unit A
    Grants Pass, OR 97526
    www.heirloom-organics.com
    www.non-hybrid-seeds.com

    Horizon Herbs
    PO Box 69
    Williams, OR 97544
    Tel: 541-846-6704
    Fax: 541-846-6233
    Email: herbseed@chatlink.com

    Log House Plants
    78185 Rat Creek Rd.
    Cottage Grove, OR 97424
    Tel: 541-942-2288
    www.loghouseplants.com
    Maggie's Garden Seeds
    1447 Narcissus Ct. NW
    Salem, OR 97304
    www.maggiesgardenseeds.com

    Nichol's Garden Nursery
    1190 Old Salem Road, NE
    Albany, OR 97321
    Tel: 541-928-9280 or 800-422-3985
    Fax: 541-967-8406
    Email: nichols@gardennursery.com
    www.nicholsgardennursery.com 

    Nourishing Gardens
    PO Box 905
    Coquille , OR 97423

    Restorations Seeds
    1133 Old Highway 99 South
    Ashland, OR 97520
    Tel: 541-201-2688
    www.restorationseeds.com

    Seed Cellar
    8700 Hwy. 140
    Eagle Point, OR 97524

    Siskiyou Seeds
    3220 East Fork Rd.
    Williams, OR  97544

    Territorial Seed Company
    PO Box 158
    Cottage Grove, OR 97424
    Tel: 541-942-9547
    Fax: 541-942-9881
    Email: tsc@ordata.com
    www.territorial-seed.com 

    Thyme Garden – Herb Seed Company
    20546 Alsea Highway
    Alsea, OR 97324
    Tel & Fax: 541-487-8671
    Email: herbs@thymegarden.com
    www.thymegarden.com  

    Victory Seed Company
    PO Box 192
    Molalla, OR 97038
    Tel/Fax: 503-829-3126
    Email: safeseed@victoryseeds.com
    www.victoryseeds.com 

    Wild Garden Seed and Shoulder to Shoulder Farm
    PO Box 1509
    Philomath, OR 97370
    Tel: 541-929-4068
    Email: frank@wildgardenseed.com
    www.wildgardenseed.com 

    Wild West Seed, Inc.
    3640 Western Way NE
    Albany, OR 97321

    PENNSYLVANIA: 


    The Ark Institute, Inc.
    P.O. Box 3430
    Easton PA 18043-3430
    Email: support@arkinstitute.com
    www.arkinstitute.com

    Ballengee Farm
    2084 Broadway
    Milton, PA  17847
    Email: ballengeefarm@gmail.com
    www.ballengeefarm.com

    ContainerSeeds.com
    64 Greenwood Street
    Wellsboro, PA 16901
    Tel: 570-724-5172
    Email: pat@containerseeds.com
    www.containerseeds.com 

    Heirloom Seed Project
    Landis Valley Museum
    2451 Kissel Hill Road
    Lancaster, PA 17601
    Tel: 717-569-0401 ext: 202
    Fax: 717-560-3545

    Heirloom Seeds
    287 E. Finley Drive
    West Finley, PA 15377
    Tel/Fax: 724-663-5356
    Email: mail@heirloomseeds.com
    www.heirloomseeds.com

    Hollow Elm Gardens, LLC
    482 Hollow Road
    New Park PA 17352

    RHODE ISLAND

    The Good Earth Organic Gardening Center
    1800 Scituate Ave.
    Hope, RI 02831


    SOUTH CAROLINA:  


    GrowJourney, LLC
    P.O. Box 15238
    Greenville, SC 29610
    www.growjourney.com

    Penny's Tomatoes
    3904 Kensington Court
    Myrtle Beach, SC 29577
    www.pennystomatoes.com

    Pepper Joe's, Inc.
    725 Carolina Farms Blvd.
    Myrtle Beasn, SC 29579
    Fax: 611-491-5344
    www.pepperjoe.com

    Seeds for the South
    410 Whaley Pond Rd
    Graniteville, SC 29829
    Tele: 803-232-1119
    www.seedsforthesouth.com 
     
    TENNESSEE:
    Blue Hill Seed Studio
    Memphis, TN 38103
    Tele: 901-619-6016

    Companion Seed Company
    115 Bearwallow Road
    Ashland City, TN 37015

    New Hope Seed Company
    P.O. Box 443
    Bon Aqua, TN 37025
    Email: farmergrass@newhopeseed.com
    Karla Upton Designs
    PO Box 2543
    Murfreesboro, TN 37133
    www.karla-upton-designs.com/
    Readiness Essentials
    107 Cavalier Drive
    Hendersonville, TN 37075

    White Oak Valley Farm Heirloom Seeds
    PO Box 1198
    Collegedale, TN 37315
    Email: contact@whiteoakvalleyfarm.com
    www.whiteoakvalleyfarm.com

    TEXAS:
    A Garden In Every Home aka Andrea's Garden
    251 Lost Oak
    Bandera TX 78003
    Compost Bins and More
    3701 Miramar Dr.
    Denton, TX 76210
    www.compostbinsandmore.com
    David's Garden Seeds and Products
    2 Crystal Bow
    San Antonio, TX 78238
    Jebadiah Fisher Garden Seed, LLC
    502 W. Montgomery St., #135
    Willis, TX 77378

    SugarBerry Hill Farm
    530 HCR 1450 N.
    Covington, TX 76636-4532

    Texas Ready
    22004 Sherrod Lane
    Spring, TX 77389
    Tel: 832-493-1357

    UTAH: 

    Diane's Flower Seeds
    1380 N. Hway 89
    Ogden, UT 84404
    www.dianeseeds.com

    Hometown Seeds.com
    507 N. 1500 W.
    Orem, UT  84057
    www.hometownseeds.com 

    Living Whole Foods Inc.
    1041 North 450 West
    Springville, UT 84663
    Tel: 801-491-8700
    Fax:  801-491-8728
    www.wheatgrasskits.com

    Mountain Valley Seed Co.
    455 West 1700 South
    Salt Lake City, UT 84115
    www.mvseeds.com
    My Patriot Supply
    1920 S 5200 W
    Salt Lake City, UT 84104
    Tel: 866-229-0927
    www.MyPatriotSupply.com
    Preparedness Seeds
    10 E. Center
    Fairview, UT 84647

    VERMONT: 

    American Meadows, Inc.
    223 Avenue D, Suite 30
    Williston, VT 05495
    Tele: 877-270-5187  ext. 12
    Email:  customerservice@americanmeadows.com
    www.americanmeadows.com

    The Cook's Garden
    PO Box 535
    Londonderry, VT 05148
    Tel: 800-457-9703
    Fax: 802-824-9556
    Email: catalog@cooksgarden.com
    www.cooksgarden.com 

    Dirt Works
    1195 Dog Team Road
    New Haven, VT 05472-4000
    Tel: 877-213-3828 (Toll Free)
    www.dirtworks.net

    High Mowing Organic Seeds
    76 Quarry Road
    Wolcott, VT 05680
    Tel:  802-472-6174
    Fax:  802-472-3201
    Email:  info@highmowingseeds.com
    www.highmowingseeds.com 

    Ladybug Herbs of Vermont
    943 Richard Woolcutt Road
    Wolcott, VT 05680
    Tel/Fax: 802-888-5940
    Email: vtherbs@pover.net

    The Vermont Wildflower Farm
    3488 Ethan Allen Hwy. (Route 7)
    P.O. Box 96
    Charlotte, Vermont 05445
    Tele: 802-425-3641
    Fax: 802-425-3642
    Email: vermontwildflowerfarm@yahoo.com
    www.vermontwildflowerfarm.com

    Weed Farm Herbs
    613 Quaker St.
    Lincoln, VT 05443
    Tel: 802-453-7395
    Email: weedfarm@gmavt.net

    VIRGINIA:
    Common Wealth Seed Growers
    138 Twin Oaks Rd
    Louisa, VA 23093
    www.commonwealthseeds.com
    Direct Garden Seeds
    www.directgardenseeds.com

    Garden Medicinals and Culinaries
    PO Box 320
    Earlysville, VA 22936
    Tel: 804-964-9113
    Fax: 804-973-8717
    www.gardenmedicinals.com

    Southern Exposure Seed Exchange
    P.O. Box 460
    Mineral, VA 23117
    Tel: 540-894-9480
    Fax: 540-894-9481
    www.SouthernExposure.com

    Thomas Jefferson Center for Historic Plants
    PO Box 316, Monticello
    Charlottesville, VA 22902
    Tel: 804-984-9821
    Fax: 804-984-0358
    www.monticellocatalog.org

    WASHINGTON: 


    Backyard Heirloom Seeds & Herbs
    4501 Yorkshire Dr. SE
    Olympia, WA 98513
    www.backyardheirloomseeds.net

    Brookingham
    520 O'Farrell Avenue SE
    Olympia, WA 98501-3470

    Cloudview Ecofarm
    14054 Road 11 SW
    Royal City, WA 99357
    www.cloudviewecofarms.org

    E & M Heirloom Seeds
    PO Box 37
    Chimacum, WA 98325
    http://eandmseeds.com

    Ed Hume Seeds
    P.O. Box 73160
    Puyallup, WA  98373
    Email: humeseeds@aol.com

    Filaree Garlic Farm
    182 Conconully Hwy
    Okanogan, WA 98840
    Tel: 509-422-6940
    www.filareefarm.com

    Frosty Hollow Ecological Restoration
    Box 53
    Langley, WA 98260
    Tel: 360-579-2332
    Fax: 360-579-4080
    Email: wean@whidbey.net
    Garden Starts Nursery
    20 Rosemary Lane
    South Elma, WA 98541

    Garlicsmiths
    967 Mingo Mountain Road
    Kettle Falls, WA 99141
    Tel: 509-738-4470

    Gator's Green Thumb
    906 Symons Street
    Richland, WA 99354
    Gowantoseed
    P.O. Box 106
    Port Townsend, WA 98368
    Great Northern Garlic
    P.O. Box 1165Mount Vernon
    Oroville, WA 98844
    Heirlooms Evermore
    21908 N Spotted Rd
    Deer Park, WA 99006
    Oatsplanter Farm Seed
    PO Box 1751
    Port Townsend, WA 98368
    Tel: 360-385-2135
    www.oatsplanterfarm.blogspot.com

    Osborne Seed Company LLC
    2428 Old Highway 99 South
    Mount Vernon, WA 98273
    Tel: 360-424-7333
    Fax: 360-424-8900
    www.osborneseed.com   
    Root and Radicle Seed Co.
    120 State Ave NE
    Olympia, WA 98501
    www.rootandradicleseedco.com
    Seattle Seed Company
    P.O. Box 22395
    Seattle, WA 98122

    WEST VIRGINIA

    Running Bug Farm
    HC69 Box 38D
    West Union, WV 26456
    www.RunningBugFarm.com


    WISCONSIN:
    Edmunds' Roses
    335 S. High Street
    Randolph, WI 53956
    HPS
    334 W. Stroud St.
    Randolph, WI 53956
    JW Jung Seed Co.
    335 S. High Street
    Randolph, WI 53956
    Tel: 800-297-3123
    www.jungseed.com
    McClure & Zimmerman
    335 S. High Street
    Randolph, WI 53956

    Rainbow Seeds & Supplies
    109B North Main Street
    Suite D
    River Falls, WI 54022
    www.rainbowseedcompany.com
    R.H. Shumway's
    334 W. Stroud St. Suite 1
    Randolph, WI 53956
    Roots & Rhizomes
    P.O. Box 9
    Randolph, WI 53956 


    St. Clare Heirloom Seeds
    P.O. Box 556
    Gillett, WI  54124
    Tel: 920-855-1977
    Email: email@stclareseeds.com
    www.StClareSeeds.com
    Totally Tomatoes
    334 West Stroud St.
    Randolph, WI 53956
    Vermont Bean Seed Company
    334 W. Stroud St.
    Randolph, WI 53956

    WYOMING:

    Self Reliance Nation
    1254 Maple Street
    Wheatland, WY 82201


  • And now for the guys who sell GMO's 
  • A list of commercial and residential home seed companies to AVOID
  • Be careful as they don't always label commercial seed as GMO
  • COMPANIES that Sell GMO's and non Gmo's
    American Seeds (This is not the Plantation Products Co.) http://www.americanseedco.com/
  • ww.plantationproducts.com/
    Asgrow https://www.aganytime.com/
    Audubon Workshop
    Breck’s Bulbs
    Campbell
    Cook’s Garden – % of Monsanto Seed
    De Ruiter
    Dege Garden Center
    DeKalb
    Diener Seeds
    E & R Seed Co.
    Earl May Seed
    Fielder’s Choice
    Flower of the Month Club
    Fontanelle
    Garden Trends
    Gardens Alive
    Germania Seed Co.
    Gold Country Seed
    Hawkeye
    Heartland
    Heritage Seeds
    Holdens
    HPS
    HPS Seed
    Hubner Seed
    icorn
    Johnnys Selected Seeds – 4% Monsanto seed
    Jung Genetics
    Kruger Seeds
    Lewis Hybrids
    Lindenberg Seeds
    McClure and Zimmerman Quality Bulb Brokers
    Mountain Valley Seed
    Natural Gardening Company – % of Monsanto seed
    Osborne
    Otis S.Twilley Seed Co.
    Park Bulbs
    Park Seed – % of Monsanto Seed
    Park’s Countryside Garden
    Peotec
    Pioneer Seed (a DuPont company)
    Poloni
    R.H. Shumway
    Rea Hybrids
    Rocky Mountain Seed Co.
    Roots and Rhizomes
    Rupp
    Seeds for the World
    Seeds of the World
    Seedway
    Seminis Companies
    Seymour’s Selected Seeds
    Snow
    Specialty
    Spring Hill Nurseries
    Stewart
    Stokes
    Stone Seed
    T & T Seeds, Ltd.
    Territorial Seed Company – small % of Monsanto seed
    Tomato Growers Supply
    Totally Tomatoes
    Trelay
    Vermont Bean Seed Company
    Wayside Gardens

  • Books written by C G

10/02/2015

Busy Bees TRID Starts Tomorrow


Busy Bees TRID Starts Tomorrow






Before Loan Estimate** Request not require Documentation Credit fee only
and Before Intent to Proceed *

After Loan Estimate** and Before Intent to Proceed Require Docs Collect Fees The Cash to Close Summary or Closing Cost Worksheet is permitted but:
Should not look like the LE
Must state, in at least 12-point font, on top of the 1st page:
“Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.” 

After Intent to Proceed*
 and after Loan Estimate     Yes, All fees









9/21/2015

Temple of TRID


California Per Diem Interest/Summary:
One more detail about TRID to make certain mortgage companies, banks and lenders all make sure
everything is dotted, crossed, initialed and signed. Golden new rules for mortgage loans, home loans, HELOC's and just about any loan to a buy or refinance real estate

Interim Interest - A borrower is not required to pay interest for more than one day prior to the recording of the mortgage or deed of trust. A borrower is not required to pay interest for more than one day prior to the date that the loan proceeds are disbursed out of escrow, or disbursed to the borrower, or to a third party on behalf of the borrower. [CA Civil Code 2948.5]

Exception permits charging interest for weekend or holiday to facilitate recording or disbursement on following day if agreed to by borrower per required disclosure  (California Residential Mortgage Lending Act Per Diem Interest Disclosure; Destiny form and similar form in Encompass). 

California regulator exam in 2012 found five instances of the disclosure signed in blank (no issue with amount of interest) and two instances of interest charged for the weekend without the borrower’s consent (checked NO on disclosure). 

The attached California Residential Mortgage Lending Act Per Diem Interest Disclosure is included in our closing loan documents.
Unsigned loan documents stall selling of the loan and are costly and time consuming to ask Borrowers to re-sign and mail back and forth.

Underwriters are required to add the following condition to all California loans:
Closing agent to provide the California Per Dium Interest Disclosure Form to the Borrower /customer when applicable and is responsible for filling in the numbers in the blank spaces for the Borrower /customer that would be charged and is responsible to make sure the Borrower initials the form


Funders are required to review the form and to add verbiage to the closing instructions advising Settlement Agents of the correct way to complete and to be sure buyer chooses an option

Welcome to the Temple of TRID where we get it perfect. 
Caroline Gerardo
Eagle Home Mortgage 
Universal American Mortgage
nmls 324982
(949) 784- 9699