Business Details
30 Years
experience
Trusted Agricultural Mortgage Lending Solutions
Pacific Intermountain Mortgage has been dedicated to providing specialized agricultural financing solutions since 1996. Our expertise lies in long-term mortgage credit secured by farms and ranches, utilizing programs like Farmer Mac I, Farmer Mac II, and FSA Guarantee Loans to meet diverse client needs. With over 25 years of experience, we prioritize personalized service, guiding farmers and ranchers through the loan process with transparency and expertise. Our mission focuses on contributing to borrower success while maintaining uncompromising integrity in all business activities. We serve creditworthy full-time and part-time agricultural producers across the Western United States, offering competitive rates and flexible terms.Our team of seasoned loan officers combines deep industry knowledge with a commitment to understanding each client's unique financial situation. We specialize in purchase financing, refinancing, and debt consolidation for rural properties, ensuring access to capital for operational growth. Our streamlined process leverages partnerships with Farmer Mac to deliver certainty in long-term fixed-rate mortgages. Customer testimonials consistently highlight our responsiveness, creative problem-solving, and dedication to client success. We maintain a small-office environment that fosters direct communication and personalized attention throughout the lending journey.
Services
Long Term Farm Loans
FSA Guarantee Loans
Farmer Mac I Loans
Farmer Mac II Loans
Beginning Farmer Loans
Ranch Refinancing
Debt Consolidation
Details
- Year established: 1996
Highlights and features
- We offer 25+ years of specialized experience in agricultural mortgage programs
- Our team provides personalized guidance through complex loan processes
- We utilize exclusive Farmer Mac I and II financing programs
- As top FSA Guarantee Lenders in the Northwest, we access unique funding options
- Our client-centric approach ensures transparent communication and tailored solutions
What people say
Excellent customer service
Knowledgeable agriculture experts
Prompt email responses
Creative problem-solving
Diligent team members
Services
Farmer Mac I Loans
Long-term financing solutions for farm and ranch purchases through the Farmer Mac I Non-Guaranteed Program. These mortgages offer competitive fixed or variable rates with amortization up to 30 years. Our team specializes in structuring these loans for purchase transactions, property improvements, and debt consolidation across rural properties.
FSA Guarantee Loans
Farm Service Agency guaranteed loans providing favorable terms for agricultural operations. This program enables competitive financing for property purchases, expansions, and debt restructuring with flexible payment options. We leverage our status as a top Northwest FSA lender to secure these guaranteed rates for qualified borrowers.
Beginning Farmer Loans
Specialized programs supporting new agricultural producers within their first 10 years of operation. These loans combine FSA participation with our financing to create favorable down payment and repayment terms. Our team guides new farmers through qualification requirements and application processes.
Loan Refinancing
Refinancing options to consolidate existing farm debt or secure better interest rates. We analyze current obligations to determine optimal refinancing strategies using available programs. Our process maintains operational cash flow while improving long-term financial positioning.
Rural Property Mortgages
Custom mortgage solutions for rural land purchases including farms, ranches, and agricultural operations. We structure loans based on property value, borrower qualifications, and specific program requirements. Our expertise ensures appropriate financing for both new purchases and existing holdings.
People
Lisa Howarth
Loan Officer
With extensive experience in agricultural lending, Lisa specializes in guiding clients through complex farm mortgage programs. Her expertise in Farmer Mac products ensures tailored financing solutions for purchase and refinance transactions.
Cassi Johnson
Loan Officer
Cassi brings agricultural industry knowledge to help borrowers navigate loan options. She focuses on clear communication and creative problem-solving to meet clients' unique financing needs across rural properties.
Tessa Hyland
Office Manager
Tessa oversees operational efficiency while supporting clients with administrative expertise. Her organizational skills ensure smooth loan processing and timely document management for the lending team.
Mike Ogan
Loan Officer
Mike combines agricultural background with mortgage expertise to serve farmers and ranchers. He specializes in explaining complex loan programs through straightforward communication and personalized guidance.
Questions
What loan programs do you specialize in?
We specialize in Farmer Mac I and II programs, FSA Guarantee Loans, and Beginning Farmer Loans for agricultural properties.
Do you serve clients outside Oregon?
Yes, we serve all Western United States states through our agricultural mortgage programs.
What documents are needed to start a loan application?
Current profit & loss statements, 3 years of tax returns, and current balance sheets are required for loan processing.
How long does the loan approval process take?
Our streamlined process typically completes approvals within 30-45 days after receiving complete documentation.
Can I refinance existing farm debt?
Yes, we offer refinancing options to consolidate or restructure existing agricultural debt obligations.
What makes your company different from other lenders?
Our exclusive focus on agricultural mortgages, 25+ years of program expertise, and personalized service distinguish us from general lenders.
