Northwest Farm Credit Services


The Dalles Chronicle
Hood River News
White Salmon Enterprise

Meet our staff serving the Mid Columbia in Oregon and Washington

Penni Delco

Penni Delco
Financial Specialist

Penni has lived in South Wasco County all her life.  She has been involved in both cattle and hay farming. She enjoys 4-wheeling, reading, and home improvement projects.

Lacy Metzentine

Lacy Metzentine
Financial Specialist

Lacy grew up in Dufur. She is involved with wheat and hay farming.  She enjoys riding horses, hunting and all other outdoor activites. 


Northwest Farm Credit Services

Advancing Rural America's Success

Northwest Farm Credit Services is a customer-owned, financial services cooperative, providing more than $7 billion in credit, crop insurance, and related services to farmers, ranchers, agribusinesses, commercial fishermen, forest products producers, equipment dealers, chemical suppliers, part-time farmers, and country homeowners. No other lender knows agriculture better, or is more committed to the future of rural America.

What we offer

Country home and bare lot acreage financing for rural residents.Financing

  • Operating lines of credit
  • Country line of credit for full and part-time farmers
  • Equipment and capital purchase financing - loans and leasing
  • Real estate mortgages and loans
  • Bare land acreage loans

Country home and acreage lot loans

Country home and acreage bare lot loans - No acreage restrictions, agricultural or residentially-zoned properties are eligible, income producing properties and hobby farms are eligible, appraised value can include barns, shops, out-buildings, or riding arenas. No mortgage insurance required. Custom, modular, log, and manufactured homes are eligible.

Construction Loans

All-in-one construction loans - Renovations, remodels and outbuildings are eligible, interest-only monthly payments during construction provide more cash flow during the building process, nine-month construction period for conventional homes, extended construction periods available for larger projects, interest rates are locked in during construction.

One closing - one cost!

AgVision Program

The AgVision Program helps young, beginning, small and minority producers get started in farming.

Scholarship Program

The Scholarship Program promotes the further education of youth from rural areas. Eligibility requirements include: must be a current Northwest Farm Credit Services customer, the son or daughter of a current Northwest Farm Credit Services customer, son or daughter of an employee of a current Northwest Farm Credit Services customer, a high school senior or college junior or senior, with plans to enroll in a higher education institution. (Interested students need to complete the scholarship application by March 15.)

Crop insurance and life insurance will keep your agricultural business on track through rain and shine.Insurance Services

  • Crop insurance
  • Multi-peril crop insurance
  • Crop hail insurance
  • Revenue-based insurance
  • Mortgage Life insurance
  • Credit Life insurance

Specialized Services

  • Appraisal services
  • Business Management Center
  • Educational and Networking events
  • Strategic Planning
  • Best Management Practices Assessment
  • Rural community financing
  • Succession planning

Family owned farms can be profitable with strategic planning through our Business Management Center.Funds Management

  • Future payment fund
  • Automatic loan payment program
  • Electronic funds transfers
  • Credit line drafts
  • Online banking
  • Cash management services
  • Wire transfers
  • Agricultural and Rural Community Bonds
Northwest Farm Credit Services staff

Our knowledgeable staff in The Dalles, Oregon, stands ready to help you.
For more information, visit our web site at:

Equal Housing Lender

Meet our staff serving the Mid Columbia in Oregon and Washington

Khrystia Waibel

Khrystia Waibel
Community Lending Group

Khrystia grew up on a row crop/cattle farm and is an alumnus of Oregon State University.   She is married with 2 sons and lives on a farm in the Willamette Valley.  Khrystia enjoys riding horses, all outdoor sports with her family, and being involved in the community. 

Rob Crum

Rob Crum
Commercial Manager

Rob grew up on a wheat and cattle farm near Ione, Oregon.  He went to Oregon State University and graduated with a major in Agricultural business and minors in animal and crop science.  He is currently married and lives in The Dalles.


Northwest Farm Credit Services
• 3591 Klindt Drive, Suite 110 • The Dalles, OR 97058 • (541) 298-3400 • Toll Free: 800-452-8575
Equal Housing lender