Business Details
30 Years
experience
Trusted Agriculture Mortgage Loans in Baker City, OR
Pacific Intermountain Mortgage has been dedicated to providing specialized agricultural mortgage solutions since 1996. Our expertise lies in long-term financing for farms, ranches, and rural properties through programs like Farmer Mac I, Farmer Mac II, and FSA Guarantee Loans. With over 25 years of experience, we prioritize personalized service, helping clients navigate loan processes with transparency and tailored financial strategies. Our team of seasoned professionals understands the unique needs of farmers and ranchers across the Western United States. We are committed to fostering long-term relationships by delivering competitive rates, flexible terms, and unwavering support throughout the lending journey.Our mission emphasizes integrity, client success, and empowering agricultural communities through accessible credit. By leveraging partnerships with institutions like Farmer Mac, we bring financial certainty and stability to rural economies. Our small-office approach ensures clients receive direct, compassionate assistance without bureaucratic delays. Testimonials highlight our responsiveness, industry knowledge, and creative problem-solving in facilitating real estate purchases and debt consolidation. As a trusted regional lender, we remain focused on evolving with client needs while maintaining the highest standards of professionalism and service excellence.
Services
Long-Term Farm Loans
FSA Guarantee Loans
Farmer Mac I Loans
Farmer Mac II Loans
Beginning Farmer Loans
Details
- Year established: 1996
Highlights and features
- We have over 25 years of experience in agricultural lending programs.
- Our team provides personalized guidance through the entire loan process.
- We offer competitive rates through exclusive partnerships with Farmer Mac.
- We specialize in financing solutions tailored to farmers and ranchers.
- Our small-office approach ensures direct communication with loan officers.
What people say
Knowledgeable about agriculture industry
Prompt email responses
Creative out of the box thinking
Open minded and resourceful
Solid understanding of farm loan programs
Services
Long-Term Farm Loans
Our long-term farm loans provide financing for land purchases, property improvements, and debt consolidation. These mortgages use Farmer Mac programs to offer competitive rates with terms up to 30 years. We help farmers secure stable financing that matches their operational timelines and growth plans.
FSA Guarantee Loans
FSA Guarantee Loans enable farmers to access capital with government-backed security. These loans support real estate purchases, operational expansions, and debt restructuring with flexible repayment options. Our expertise ensures smooth navigation through USDA program requirements.
Farmer Mac I Loans
Farmer Mac I Loans offer direct financing for farm acquisitions and improvements. These non-guaranteed mortgages provide fixed or variable rates with amortization up to 30 years. We help clients structure loans that align with their agricultural business cycles.
Beginning Farmer Loans
Designed for farmers within their first decade of operation, these loans combine FSA support with our lending expertise. We help new agricultural entrepreneurs access capital with reduced down payments and favorable interest rates for long-term success.
Debt Refinancing
Our refinancing solutions help consolidate existing farm debt into more manageable terms. By leveraging current equity and market conditions, we create refinancing plans that improve cash flow and reduce financial burdens for agricultural operations.
People
Lisa Howarth
Loan Officer
Lisa Howarth brings extensive agricultural lending experience to Pacific Intermountain Mortgage. Her deep understanding of farm financing programs helps clients navigate complex loan processes with personalized solutions.
Cassi Johnson
Loan Officer
Cassi Johnson specializes in agricultural mortgage products with a focus on customer service. Her expertise in Farmer Mac programs ensures clients receive tailored financing options that meet their operational needs.
Tessa Hyland
Office Manager
Tessa Hyland oversees daily operations at Pacific Intermountain Mortgage. Her organizational skills ensure smooth coordination between clients and loan officers throughout the mortgage process.
Mike Ogan
Loan Officer
Mike Ogan provides agricultural lending expertise with a focus on long-term mortgage solutions. His experience in rural property financing helps clients achieve their land ownership and business goals.
Questions
What loan programs do you offer for agricultural properties?
We offer Farmer Mac I, Farmer Mac II, FSA Guarantee Loans, and Beginning Farmer Loans for farm and ranch financing.
Do you provide financing for first-time farmers?
Yes, we offer specialized Beginning Farmer Loans with favorable terms for new agricultural operators.
What areas do you serve?
We provide agricultural mortgage services across all Western United States states.
How long does the loan approval process take?
Our experienced team streamlines the process, typically completing approvals within 30-45 days with complete documentation.
Can you help refinance existing farm debt?
Yes, we specialize in refinancing and consolidating existing agricultural debt with improved terms.
What documents are needed to apply?
Applicants need tax returns, profit/loss statements, balance sheets, and operational budgets for loan consideration.
Reviews (1)
Temi Freeman
May 06, 2019
Report
Pacific Intermountain Mortgage has helped us through several adventures in ranch real estate purchases. We have worked with both Lisa & Cassi. Both are incredibly knowledgeable about the agriculture industry. They went above & beyond to make our real estate purchases possible. Prompt email responses, real phone conversations & creative out of the box thinking helped make the loan process much easier. We are forever grateful for all their hard work. We do & will continue to recommend Pacific Intermountain Mortgage as an agriculture lender.
