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Mortgages

Purchase Loans

3Rivers offers an excellent line of mortgage products and services designed to help home-buyers achieve their ideal lifestyle and financial goals. Our mortgage team works locally, so you can trust that we’ll be ready to help you through every step of the mortgage process—and all along your home-ownership journey.

Our mortgage purchase loans include:

Conventional Loans:  

  • As low as 3% down available
  • Fixed options (10, 15, 20, and 30 years)
  • Adjustable Rate Mortgage (ARM) options
  • First-time home-buyer options

Government:

  • VA, FHA, and USDA options

Manufactured Homes:

  • As low as 3.5%* down (no single-wide properties)

3Rivers also offers: 

  • Bridge Loans
  • Jumbo Loans
  • Physician Loans
  • Hero Loans – Up to 100% financing available for qualified borrowers.
    (Loans designed to help public service providers such as police, firefighters, and medical professionals.)
  • Purchase-Remodel Loans – See the “Remodel” tab above for more information.

Ready to purchase a new home? If so, contact one of us today to get started:

Northeast Indiana

 

Photo of Amanda Champion
Amanda Champion
Mortgage Loan Officer

Northeast Indiana

NMLS # - 713173  |  C: 260.348.0299  |  F: 260.440.5297  |  E: achampion@trfcu.org

Amanda Champion comes to 3Rivers with over 20 years of experience in the financial field – with nearly half focused specifically on personalized mortgage solutions. She values relationships and sees mortgage lending as more than a transaction, taking the time to listen, ask questions, and build a team of experts to help guide our members toward financial wellness – now and through every phase of life.

Helping realtors and builders deliver an extraordinary experience, and ensuring all homebuyers – first time buyers, self-employed borrowers, veterans, and current homeowners – receive only the highest level of service are Amanda’s driving force. Whether you’re growing into a new home or downsizing, she can help you personalize financing options to fit your unique needs.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Deanna Fisher
Deanna Fisher
Mortgage Loan Officer

Northeast Indiana

NMLS # - 586061  |  C: 260.402.1820  |  F: 260.440.5297  |  E: dfisher@trfcu.org

Deanna Fisher has worked in the mortgage industry for over 20 years, spending nearly half of that experience at 3Rivers. She has a passion for working with first-time homebuyers and helping members with their new construction loans, watching their dream homes come to life.

Deanna also thrives on having a lasting relationship with members and showing them the credit union difference – remaining a resource for them and connecting them to 3Rivers’ additional solutions when it comes to any of their other financial needs.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Dan Fivecoate
Dan Fivecoate
Mortgage Loan Officer

Northeast Indiana

NMLS# - 810893  |  C: 260.494.7708  |  F: 260.440.5297  |  E: dfivecoate@trfcu.org

With over 17 years of experience in originating mortgage loans, Dan Fivecoate has the skill and knowledge needed to guide our members through the process of financing a home – helping them to feel confident and at ease every step of the way. He strives to find the best solutions for our members’ unique needs – whether that’s purchasing or building a new home, or refinancing an existing mortgage.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Nathan Gaier
Nathan Gaier
Mortgage Loan Officer

Northeast Indiana

NMLS # - 286613  |  C: 260.494.5031  |  F: 260.440.5297  |  E: ngaier@trfcu.org

Nathan Gaier graduated from Purdue University with a B.S. degree in Organizational Leadership & Supervision in 1999 and entered the financial industry in 2002. The first six years of his career were spent outside of Fort Wayne, in manufacturing management, followed by managing a Branch for American General Finance (part of AIG). He returned to Fort Wayne in 2005 to begin his career as a mortgage loan originator.

In addition to his experience as a mortgage loan originator, he’s also acted as a corporate sales trainer and played a crucial role in implementing customer relationship management (CRM) software at his former company.

In January 2020, Nathan joined 3Rivers as a Mortgage Loan Officer. He enjoys working with all types of loans, including first-time homebuyer programs, FHA loans, VA, conventional, jumbo, new construction, rehab loans, and everything in between. Nathan also specialize in tax credit programs, specifically the Mortgage Credit Certificate (MCC) program through Indiana Housing (IHCDA).

Nathan’s personal and professional philosophy is to treat everyone as he would like to be treated – which drives him to take extra time and care with each member, ensuring they receive the best experience during every step of the home loan process.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Doug Lehman
Doug Lehman
Mortgage Loan Officer

Northeast Indiana

NMLS# - 586063  |  C: 260.273.8388  |  F: 260.440.5297  |  E: dlehman@trfcu.org

Doug has been a mortgage loan officer for over 37 years in northeastern Indiana and has been with 3Rivers for over 11 years.

Doug’s expertise makes him a mortgage lending leader in Fort Wayne, and he has earned the respect of many new construction builders in northeastern Indiana. He enjoys working with many referral sources, vendors, financial planners, and members to meet the goal of a successful transaction and loan closing for everyone involved. He has a focused concentration on working with complex loans and offers his support in positioning members for the rigors of new construction lending.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Liz Neal
Liz Neal
Mortgage Loan Officer

Northeast Indiana

NMLS# - 413614  |  C: 260.417.0104  |  F: 260.440.5297  |  E: lneal@trfcu.org

Liz Neal brings over 35 years of real estate and mortgage experience to 3Rivers. Having fallen in love with real estate after working as a receptionist in the industry early in her career, she decided to take the plunge and become a mortgage loan officer, proving herself as a top producer over the past two decades. She finds helping members fulfill their dreams of homeownership incredibly rewarding, and makes it a point to provide a personal touch every step of the way.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Ben Poehler
Ben Poehler
Mortgage Loan Officer

Northeast Indiana

NMLS# - 1599080  |  C: 260.609.5832  |  F: 260.440.5297  |  E: bpoehler@trfcu.org

Ben Poehler comes to 3Rivers with many years of experience in customer service—having spent six years in real estate finance and three years specifically in mortgage lending. His emphasis on clear communication ensures members are well-informed throughout their entire lending experience. Utilizing his relationships and knowledge within the real estate industry, Ben commands a wide range of resources while he guides our members through the mortgage process. He recognizes that setting and reaching financial goals can be overwhelming and stressful, and strives to help members resolve their concerns and grow their confidence through a streamlined and professional process.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Eric Smothermon
Eric Smothermon
Mortgage Loan Officer

Northeast Indiana

NMLS# - 586065  |  C: 260.609.4622  |  F: 260.440.5297  |  E: esmothermon@trfcu.org

Eric has been a mortgage loan officer for over 20 years in northeastern Indiana and has been with 3Rivers for nearly 14 years. He has a passion for working with members to strategize for a comfortable financial balance in their lives. His specialties include a deep understanding of new construction financing, and he enjoys sharing with our members the many choices and opportunities available when building their first home or their retirement home. He finds it fulfilling to be able to offer alternative financing and flexible and fair terms for a member to finance a home when they have been unable to achieve this elsewhere. He feels that our greatest benefits include local servicing, local branches and portfolio financing options.

He maintains an affiliate membership at the Home Builders Association and UpStar Alliance of Realtors.

APPLY NOW CHECK RATES 3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of David Wingate
David Wingate
Mortgage Loan Officer

Northeast Indiana

NMLS# - 444700  |  C: 260.415.6998  |  F: 260.440.5297  |  E: dwingate@trfcu.org

David has been a mortgage loan officer for over 20 years.

He enjoys helping members with their unique financing needs. He believes that 3Rivers offers more options for financing than many other institutions, because we build relationships with our members. Our loans are not merely transactions; we solve problems and help build dreams.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Richmond, Indiana

 

Photo of Danielle Abrams
Danielle Abrams
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 1197731  |  C: 765.259.0201  |  F: 765.807.3155  |  E: dabrams@trfcu.org

Danielle Abrams has over 10 years of experience in the banking industry, focusing on consumer lending department and, more recently, mortgage lending. She is passionate and highly driven to ensure each member is placed in the best home loan product that fits their unique needs—going above and beyond to know their goals and visions when it comes to both homeownership and their overall financial wellness. She strives to build deep relationships with each member, while providing prompt and reliable service that ensures they have an experience that leaves them feeling confident and supported every step of the way.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Nikka Alcorn
Nikka Alcorn
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 613421  |  C: 765.598.4317  |  F: 765.962.9580  |  E: nalcorn@trfcu.org

Nikka Alcorn has spent over two decades in the mortgage lending industry, having experience in several areas—including origination and collections. “Working with people” has become her motto, as exemplary member service and satisfaction are her key goals with every interaction and new relationship. In addition to walking alongside members throughout the entire home loan process, she’s also dedicated to helping them with their other financial goals, both short and long-term, by connecting them with the right resources and offering ongoing guidance and support.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Jim Backmeyer
Jim Backmeyer
Mortgage Sales Manager

Richmond, Indiana

NMLS# - 502374  |  C: 765.969.6949  |  F: 888.495.2395  |  E: jbackmeyer@trfcu.org

Jim Backmeyer has nearly 20 years of experience in the mortgage lending industry. Earlier in his career, he spent almost a decade as a managing broker for a local real estate company and is a former President of the Richmond Association of Realtors.

His unique background has made him a trusted leader and resource center in the mortgage lending industry. His knowledge, experience, community connections, and relationships with area realtors all help to ensure that members will receive prompt and personalized service and an experience that leaves them feeling confident not only in their home-buying endeavors, but in their overall financial goals, too.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Patrice Bolin
Patrice Bolin
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 132637  |  C: 765.259.0202  |  F: 765.807.3155  |  E: pbolin@trfcu.org

Patrice Bolin has over 35 years of experience in banking, with the majority of her time spent in the area of mortgage lending.

Her primary goal has always been to support members throughout the home-buying experience, ensuring they process is smooth from start to finish. She’s also dedicated to building long-lasting relationships with members that extend far beyond the realm of home loans—offering guidance and education about other financial products to help them achieve their current and future financial goals.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page

Construction Loans

As the #1 construction lender in Northeast Indiana, 3Rivers is the best choice to make your dream home a reality! We service our mortgages locally, right here in the community where you’re putting down roots, so when you have questions, we’re here for you, every step of the way.

With a Construction loan at 3Rivers, you’ll experience:

  • As low as 5% down payment
  • One-time close
  • Lock in your interest rate upfront
  • Fixed and Adjustable Rate loan options available
  • Local decision making with prompt and continuous communication
  • Interest only payments during the construction period

Ready to build your dream home from scratch now? Purchasing a piece of land to build on in the future? 3Rivers has financing options to suit your unique needs.

3Rivers Construction Loans

Land Loans

(Land outside of a subdivision)

  • Up to 80% of purchase price
  • Land appraisal required
  • No acreage limit
  • Loan amount maximum of $250k
  • 3 year balloon
  • Interest-only for 36 months, balance due month 37
  • Soil testing recommended

Lot Loans

(Lot within a subdivision)

  • Up to 80% of purchase price
  • Appraisal may not be required
  • Loan amount maximum of $250k
  • 3 year balloon
  • Interest-only for 36 months, balance due month 37

Ready to build your new home? Contact one of us today to get started:

Northeast Indiana

 

Photo of Amanda Champion
Amanda Champion
Mortgage Loan Officer

Northeast Indiana

NMLS # - 713173  |  C: 260.348.0299  |  F: 260.440.5297  |  E: achampion@trfcu.org

Amanda Champion comes to 3Rivers with over 20 years of experience in the financial field – with nearly half focused specifically on personalized mortgage solutions. She values relationships and sees mortgage lending as more than a transaction, taking the time to listen, ask questions, and build a team of experts to help guide our members toward financial wellness – now and through every phase of life.

Helping realtors and builders deliver an extraordinary experience, and ensuring all homebuyers – first time buyers, self-employed borrowers, veterans, and current homeowners – receive only the highest level of service are Amanda’s driving force. Whether you’re growing into a new home or downsizing, she can help you personalize financing options to fit your unique needs.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Deanna Fisher
Deanna Fisher
Mortgage Loan Officer

Northeast Indiana

NMLS # - 586061  |  C: 260.402.1820  |  F: 260.440.5297  |  E: dfisher@trfcu.org

Deanna Fisher has worked in the mortgage industry for over 20 years, spending nearly half of that experience at 3Rivers. She has a passion for working with first-time homebuyers and helping members with their new construction loans, watching their dream homes come to life.

Deanna also thrives on having a lasting relationship with members and showing them the credit union difference – remaining a resource for them and connecting them to 3Rivers’ additional solutions when it comes to any of their other financial needs.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Dan Fivecoate
Dan Fivecoate
Mortgage Loan Officer

Northeast Indiana

NMLS# - 810893  |  C: 260.494.7708  |  F: 260.440.5297  |  E: dfivecoate@trfcu.org

With over 17 years of experience in originating mortgage loans, Dan Fivecoate has the skill and knowledge needed to guide our members through the process of financing a home – helping them to feel confident and at ease every step of the way. He strives to find the best solutions for our members’ unique needs – whether that’s purchasing or building a new home, or refinancing an existing mortgage.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Nathan Gaier
Nathan Gaier
Mortgage Loan Officer

Northeast Indiana

NMLS # - 286613  |  C: 260.494.5031  |  F: 260.440.5297  |  E: ngaier@trfcu.org

Nathan Gaier graduated from Purdue University with a B.S. degree in Organizational Leadership & Supervision in 1999 and entered the financial industry in 2002. The first six years of his career were spent outside of Fort Wayne, in manufacturing management, followed by managing a Branch for American General Finance (part of AIG). He returned to Fort Wayne in 2005 to begin his career as a mortgage loan originator.

In addition to his experience as a mortgage loan originator, he’s also acted as a corporate sales trainer and played a crucial role in implementing customer relationship management (CRM) software at his former company.

In January 2020, Nathan joined 3Rivers as a Mortgage Loan Officer. He enjoys working with all types of loans, including first-time homebuyer programs, FHA loans, VA, conventional, jumbo, new construction, rehab loans, and everything in between. Nathan also specialize in tax credit programs, specifically the Mortgage Credit Certificate (MCC) program through Indiana Housing (IHCDA).

Nathan’s personal and professional philosophy is to treat everyone as he would like to be treated – which drives him to take extra time and care with each member, ensuring they receive the best experience during every step of the home loan process.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Doug Lehman
Doug Lehman
Mortgage Loan Officer

Northeast Indiana

NMLS# - 586063  |  C: 260.273.8388  |  F: 260.440.5297  |  E: dlehman@trfcu.org

Doug has been a mortgage loan officer for over 37 years in northeastern Indiana and has been with 3Rivers for over 11 years.

Doug’s expertise makes him a mortgage lending leader in Fort Wayne, and he has earned the respect of many new construction builders in northeastern Indiana. He enjoys working with many referral sources, vendors, financial planners, and members to meet the goal of a successful transaction and loan closing for everyone involved. He has a focused concentration on working with complex loans and offers his support in positioning members for the rigors of new construction lending.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Liz Neal
Liz Neal
Mortgage Loan Officer

Northeast Indiana

NMLS# - 413614  |  C: 260.417.0104  |  F: 260.440.5297  |  E: lneal@trfcu.org

Liz Neal brings over 35 years of real estate and mortgage experience to 3Rivers. Having fallen in love with real estate after working as a receptionist in the industry early in her career, she decided to take the plunge and become a mortgage loan officer, proving herself as a top producer over the past two decades. She finds helping members fulfill their dreams of homeownership incredibly rewarding, and makes it a point to provide a personal touch every step of the way.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Ben Poehler
Ben Poehler
Mortgage Loan Officer

Northeast Indiana

NMLS# - 1599080  |  C: 260.609.5832  |  F: 260.440.5297  |  E: bpoehler@trfcu.org

Ben Poehler comes to 3Rivers with many years of experience in customer service—having spent six years in real estate finance and three years specifically in mortgage lending. His emphasis on clear communication ensures members are well-informed throughout their entire lending experience. Utilizing his relationships and knowledge within the real estate industry, Ben commands a wide range of resources while he guides our members through the mortgage process. He recognizes that setting and reaching financial goals can be overwhelming and stressful, and strives to help members resolve their concerns and grow their confidence through a streamlined and professional process.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Eric Smothermon
Eric Smothermon
Mortgage Loan Officer

Northeast Indiana

NMLS# - 586065  |  C: 260.609.4622  |  F: 260.440.5297  |  E: esmothermon@trfcu.org

Eric has been a mortgage loan officer for over 20 years in northeastern Indiana and has been with 3Rivers for nearly 14 years. He has a passion for working with members to strategize for a comfortable financial balance in their lives. His specialties include a deep understanding of new construction financing, and he enjoys sharing with our members the many choices and opportunities available when building their first home or their retirement home. He finds it fulfilling to be able to offer alternative financing and flexible and fair terms for a member to finance a home when they have been unable to achieve this elsewhere. He feels that our greatest benefits include local servicing, local branches and portfolio financing options.

He maintains an affiliate membership at the Home Builders Association and UpStar Alliance of Realtors.

APPLY NOW CHECK RATES 3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of David Wingate
David Wingate
Mortgage Loan Officer

Northeast Indiana

NMLS# - 444700  |  C: 260.415.6998  |  F: 260.440.5297  |  E: dwingate@trfcu.org

David has been a mortgage loan officer for over 20 years.

He enjoys helping members with their unique financing needs. He believes that 3Rivers offers more options for financing than many other institutions, because we build relationships with our members. Our loans are not merely transactions; we solve problems and help build dreams.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Richmond, Indiana

 

Photo of Danielle Abrams
Danielle Abrams
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 1197731  |  C: 765.259.0201  |  F: 765.807.3155  |  E: dabrams@trfcu.org

Danielle Abrams has over 10 years of experience in the banking industry, focusing on consumer lending department and, more recently, mortgage lending. She is passionate and highly driven to ensure each member is placed in the best home loan product that fits their unique needs—going above and beyond to know their goals and visions when it comes to both homeownership and their overall financial wellness. She strives to build deep relationships with each member, while providing prompt and reliable service that ensures they have an experience that leaves them feeling confident and supported every step of the way.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Nikka Alcorn
Nikka Alcorn
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 613421  |  C: 765.598.4317  |  F: 765.962.9580  |  E: nalcorn@trfcu.org

Nikka Alcorn has spent over two decades in the mortgage lending industry, having experience in several areas—including origination and collections. “Working with people” has become her motto, as exemplary member service and satisfaction are her key goals with every interaction and new relationship. In addition to walking alongside members throughout the entire home loan process, she’s also dedicated to helping them with their other financial goals, both short and long-term, by connecting them with the right resources and offering ongoing guidance and support.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Jim Backmeyer
Jim Backmeyer
Mortgage Sales Manager

Richmond, Indiana

NMLS# - 502374  |  C: 765.969.6949  |  F: 888.495.2395  |  E: jbackmeyer@trfcu.org

Jim Backmeyer has nearly 20 years of experience in the mortgage lending industry. Earlier in his career, he spent almost a decade as a managing broker for a local real estate company and is a former President of the Richmond Association of Realtors.

His unique background has made him a trusted leader and resource center in the mortgage lending industry. His knowledge, experience, community connections, and relationships with area realtors all help to ensure that members will receive prompt and personalized service and an experience that leaves them feeling confident not only in their home-buying endeavors, but in their overall financial goals, too.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Patrice Bolin
Patrice Bolin
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 132637  |  C: 765.259.0202  |  F: 765.807.3155  |  E: pbolin@trfcu.org

Patrice Bolin has over 35 years of experience in banking, with the majority of her time spent in the area of mortgage lending.

Her primary goal has always been to support members throughout the home-buying experience, ensuring they process is smooth from start to finish. She’s also dedicated to building long-lasting relationships with members that extend far beyond the realm of home loans—offering guidance and education about other financial products to help them achieve their current and future financial goals.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page

Remodel Loans

Have you found a house with the potential to be the home of your dreams, but not before some significant updates (kitchen and bath remodels, finishing of a basement, room expansions and additions) are made?

3Rivers’ Purchase-Remodel Loan Program allows the homebuyers to purchase a home as-is and complete all of the major updates that come later with just one loan. This loan option allows you to avoid having to use cash to pay for remodels and refinancing to complete later work.

In addition, with our Purchase-Remodel Loan, you’re able to:

  • Utilize one loan and one set of closing costs to get the home you want.
  • Lock-in the interest rate that comes with the initial loan.
  • Use the home value (based on remodel completion).
  • Utilize the loan like a construction loan (project set-up using draws).

It’s important to note that this loan is not applicable to cosmetic updates (new carpet, new paint) or customary maintenance (HVAC, new roof) unless they’re a part of a larger remodeling project. In addition, remodels made using this loan require the use of a licensed contractor.

Want to talk about your remodel options? Contact one of us today:

Northeast Indiana

 

Photo of Amanda Champion
Amanda Champion
Mortgage Loan Officer

Northeast Indiana

NMLS # - 713173  |  C: 260.348.0299  |  F: 260.440.5297  |  E: achampion@trfcu.org

Amanda Champion comes to 3Rivers with over 20 years of experience in the financial field – with nearly half focused specifically on personalized mortgage solutions. She values relationships and sees mortgage lending as more than a transaction, taking the time to listen, ask questions, and build a team of experts to help guide our members toward financial wellness – now and through every phase of life.

Helping realtors and builders deliver an extraordinary experience, and ensuring all homebuyers – first time buyers, self-employed borrowers, veterans, and current homeowners – receive only the highest level of service are Amanda’s driving force. Whether you’re growing into a new home or downsizing, she can help you personalize financing options to fit your unique needs.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


View Full Bio Page
Photo of Deanna Fisher
Deanna Fisher
Mortgage Loan Officer

Northeast Indiana

NMLS # - 586061  |  C: 260.402.1820  |  F: 260.440.5297  |  E: dfisher@trfcu.org

Deanna Fisher has worked in the mortgage industry for over 20 years, spending nearly half of that experience at 3Rivers. She has a passion for working with first-time homebuyers and helping members with their new construction loans, watching their dream homes come to life.

Deanna also thrives on having a lasting relationship with members and showing them the credit union difference – remaining a resource for them and connecting them to 3Rivers’ additional solutions when it comes to any of their other financial needs.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Dan Fivecoate
Dan Fivecoate
Mortgage Loan Officer

Northeast Indiana

NMLS# - 810893  |  C: 260.494.7708  |  F: 260.440.5297  |  E: dfivecoate@trfcu.org

With over 17 years of experience in originating mortgage loans, Dan Fivecoate has the skill and knowledge needed to guide our members through the process of financing a home – helping them to feel confident and at ease every step of the way. He strives to find the best solutions for our members’ unique needs – whether that’s purchasing or building a new home, or refinancing an existing mortgage.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Nathan Gaier
Nathan Gaier
Mortgage Loan Officer

Northeast Indiana

NMLS # - 286613  |  C: 260.494.5031  |  F: 260.440.5297  |  E: ngaier@trfcu.org

Nathan Gaier graduated from Purdue University with a B.S. degree in Organizational Leadership & Supervision in 1999 and entered the financial industry in 2002. The first six years of his career were spent outside of Fort Wayne, in manufacturing management, followed by managing a Branch for American General Finance (part of AIG). He returned to Fort Wayne in 2005 to begin his career as a mortgage loan originator.

In addition to his experience as a mortgage loan originator, he’s also acted as a corporate sales trainer and played a crucial role in implementing customer relationship management (CRM) software at his former company.

In January 2020, Nathan joined 3Rivers as a Mortgage Loan Officer. He enjoys working with all types of loans, including first-time homebuyer programs, FHA loans, VA, conventional, jumbo, new construction, rehab loans, and everything in between. Nathan also specialize in tax credit programs, specifically the Mortgage Credit Certificate (MCC) program through Indiana Housing (IHCDA).

Nathan’s personal and professional philosophy is to treat everyone as he would like to be treated – which drives him to take extra time and care with each member, ensuring they receive the best experience during every step of the home loan process.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Doug Lehman
Doug Lehman
Mortgage Loan Officer

Northeast Indiana

NMLS# - 586063  |  C: 260.273.8388  |  F: 260.440.5297  |  E: dlehman@trfcu.org

Doug has been a mortgage loan officer for over 37 years in northeastern Indiana and has been with 3Rivers for over 11 years.

Doug’s expertise makes him a mortgage lending leader in Fort Wayne, and he has earned the respect of many new construction builders in northeastern Indiana. He enjoys working with many referral sources, vendors, financial planners, and members to meet the goal of a successful transaction and loan closing for everyone involved. He has a focused concentration on working with complex loans and offers his support in positioning members for the rigors of new construction lending.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Liz Neal
Liz Neal
Mortgage Loan Officer

Northeast Indiana

NMLS# - 413614  |  C: 260.417.0104  |  F: 260.440.5297  |  E: lneal@trfcu.org

Liz Neal brings over 35 years of real estate and mortgage experience to 3Rivers. Having fallen in love with real estate after working as a receptionist in the industry early in her career, she decided to take the plunge and become a mortgage loan officer, proving herself as a top producer over the past two decades. She finds helping members fulfill their dreams of homeownership incredibly rewarding, and makes it a point to provide a personal touch every step of the way.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Ben Poehler
Ben Poehler
Mortgage Loan Officer

Northeast Indiana

NMLS# - 1599080  |  C: 260.609.5832  |  F: 260.440.5297  |  E: bpoehler@trfcu.org

Ben Poehler comes to 3Rivers with many years of experience in customer service—having spent six years in real estate finance and three years specifically in mortgage lending. His emphasis on clear communication ensures members are well-informed throughout their entire lending experience. Utilizing his relationships and knowledge within the real estate industry, Ben commands a wide range of resources while he guides our members through the mortgage process. He recognizes that setting and reaching financial goals can be overwhelming and stressful, and strives to help members resolve their concerns and grow their confidence through a streamlined and professional process.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Eric Smothermon
Eric Smothermon
Mortgage Loan Officer

Northeast Indiana

NMLS# - 586065  |  C: 260.609.4622  |  F: 260.440.5297  |  E: esmothermon@trfcu.org

Eric has been a mortgage loan officer for over 20 years in northeastern Indiana and has been with 3Rivers for nearly 14 years. He has a passion for working with members to strategize for a comfortable financial balance in their lives. His specialties include a deep understanding of new construction financing, and he enjoys sharing with our members the many choices and opportunities available when building their first home or their retirement home. He finds it fulfilling to be able to offer alternative financing and flexible and fair terms for a member to finance a home when they have been unable to achieve this elsewhere. He feels that our greatest benefits include local servicing, local branches and portfolio financing options.

He maintains an affiliate membership at the Home Builders Association and UpStar Alliance of Realtors.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of David Wingate
David Wingate
Mortgage Loan Officer

Northeast Indiana

NMLS# - 444700  |  C: 260.415.6998  |  F: 260.440.5297  |  E: dwingate@trfcu.org

David has been a mortgage loan officer for over 20 years.

He enjoys helping members with their unique financing needs. He believes that 3Rivers offers more options for financing than many other institutions, because we build relationships with our members. Our loans are not merely transactions; we solve problems and help build dreams.

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Richmond, Indiana

 

Photo of Danielle Abrams
Danielle Abrams
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 1197731  |  C: 765.259.0201  |  F: 765.807.3155  |  E: dabrams@trfcu.org

Danielle Abrams has over 10 years of experience in the banking industry, focusing on consumer lending department and, more recently, mortgage lending. She is passionate and highly driven to ensure each member is placed in the best home loan product that fits their unique needs—going above and beyond to know their goals and visions when it comes to both homeownership and their overall financial wellness. She strives to build deep relationships with each member, while providing prompt and reliable service that ensures they have an experience that leaves them feeling confident and supported every step of the way.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Nikka Alcorn
Nikka Alcorn
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 613421  |  C: 765.598.4317  |  F: 765.962.9580  |  E: nalcorn@trfcu.org

Nikka Alcorn has spent over two decades in the mortgage lending industry, having experience in several areas—including origination and collections. “Working with people” has become her motto, as exemplary member service and satisfaction are her key goals with every interaction and new relationship. In addition to walking alongside members throughout the entire home loan process, she’s also dedicated to helping them with their other financial goals, both short and long-term, by connecting them with the right resources and offering ongoing guidance and support.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Jim Backmeyer
Jim Backmeyer
Mortgage Sales Manager

Richmond, Indiana

NMLS# - 502374  |  C: 765.969.6949  |  F: 888.495.2395  |  E: jbackmeyer@trfcu.org

Jim Backmeyer has nearly 20 years of experience in the mortgage lending industry. Earlier in his career, he spent almost a decade as a managing broker for a local real estate company and is a former President of the Richmond Association of Realtors.

His unique background has made him a trusted leader and resource center in the mortgage lending industry. His knowledge, experience, community connections, and relationships with area realtors all help to ensure that members will receive prompt and personalized service and an experience that leaves them feeling confident not only in their home-buying endeavors, but in their overall financial goals, too.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Patrice Bolin
Patrice Bolin
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 132637  |  C: 765.259.0202  |  F: 765.807.3155  |  E: pbolin@trfcu.org

Patrice Bolin has over 35 years of experience in banking, with the majority of her time spent in the area of mortgage lending.

Her primary goal has always been to support members throughout the home-buying experience, ensuring they process is smooth from start to finish. She’s also dedicated to building long-lasting relationships with members that extend far beyond the realm of home loans—offering guidance and education about other financial products to help them achieve their current and future financial goals.

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Refinance Loans

Have you reviewed your current mortgage rate, term, and payments lately?

With rates continually changing, refinancing could save you a significant amount of money in the long-run, or cut down on the time it takes to pay off the loan! Paying less over time or paying off the loan quicker opens up opportunities to focus on additional financial goals and even consolidate other debts with a lower rate if you have available equity in your home!

Our 3Rivers mortgage loan officers can help you look at potential savings opportunities by reviewing your current:

  • Rate: If you have not compared your current rate to what is being offered today, now is a great time for us to talk, as it could save you hundreds – even thousands – of dollars!
  • Term: Depending on your financial goals, changing your current loan term may help you reach them. By reducing your current term, you can pay off your home sooner and save thousands of dollars in the long-run. If your interest rate is higher than the current rates offered, shortening your term may not cost you any additional money on your monthly payment. Or, you may want to extend your term to save even more money on a monthly basis, helping your cash-flow. Extending your term may be an especially smart option if you know that your current home is not your forever or long-term home.
  • Payment: Whether you’re looking to pay your home off faster, reduce your monthly payment, or use the equity in your home to take care of other obligations, 3Rivers has many potential opportunities and solutions that can help you accomplish your goals.

Helping to improve your current and future financial situation is our primary goal. We look forward to having a conversation with you and helping to set you up for success -- no matter your financial goals!.

Want to talk about your refinancing options? Contact one of us today:

Northeast Indiana

 

Photo of Crystal Cobb
Crystal Cobb
Mortgage Loan Officer

Northeast Indiana

NMLS# - 445022  |  P: 260.399.8220  |  C: 260.414.3504   |  F: 260.440.5297  |  E:  ccobb@trfcu.org

Crystal has been a mortgage loan officer for nearly 20 years. She is proud to use her credit union expertise to help streamline the mortgage process for members and referral partners. She is passionate about the relationships she makes with her members, and she is keenly aware that she is guiding them through what is likely the largest investment of their life. She focuses her skills on helping her members purchasing or refinancing their current mortgage to keep costs to a minimum and their options expanded.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Larry Custard
Larry Custard
Mortgage Loan Officer

Northeast Indiana

NMLS# - 586060  |  C: 260.437.2613  |  F: 260.440.5297  |  E: lcustard@trfcu.org

Larry has been a mortgage loan officer for over 25 years in northeastern Indiana and California and has been with 3Rivers for nearly 22 years.

Larry has built a broad knowledge of mortgage products and programs to help our members achieve homeownership. He has worked with conventional and government programs and can help with new construction financing with equal efficiency.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Alyssa Jay
Alyssa Jay
Mortgage Loan Officer

Northeast Indiana

NMLS# - 1683887  |  P: 260.487.3414  |  C: 260.312.0079  |  F: 260.440.5297  |  E: ajay@trfcu.org

Alyssa Jay has over seven years of experience in the mortgage industry, right here in Northeast Indiana. She has a rich history of helping people make their home-buying dreams a reality, and has gained a great deal of knowledge and experience along the way. From processing mortgages to servicing mortgage products – including purchases, refinances, and second mortgages, Alyssa is highly driven to help our members achieve their goals by ensuring they receive the right home loan product and providing a personalized, above-and-beyond experience along the way.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Tammy Keeling
Tammy Keeling
Mortgage Loan Officer

Northeast Indiana

NMLS# - 408800  |  P: 260.399.8237  |  C: 260.403.4681  |  F: 260.440.5297  |  E: tkeeling@trfcu.org

Tammy has been a mortgage loan officer in Northeast Indiana for over 20 years. With her experience, she understands the complexities involved with mortgage financing, and is able to guide members seamlessly through the home-buying journey. Tammy strives to make the process as transparent and easy-to-understand as possible, with the goal of providing an excellent member experience.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Matt Level
Matt Level
Mortgage Loan Officer

Northeast Indiana

NMLS# - 613939  |  C: 260.210.4151  |  F: 260.440.5297  |  E: mlevel@trfcu.org

Matt Level comes to 3Rivers with over 20 years of experience in the mortgage industry. He strongly believes in the importance of asking the right questions, and listening closely to members’ wants and needs, to ensure they’re matched with the right loan for their unique situation – knowing a home is likely the largest purchase they’ll make in their lifetime. He also works hard to make sure that members are relaxed and content through the entire building, buying, or refinancing process – and beyond.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Mike Ruiz
Mike Ruiz
Mortgage Loan Officer

Northeast Indiana

NMLS# - 196258  |  P: 260.487.3398  |  C: 260.402.4610  |  F: 260.440.5297  |  E: mruiz@trfcu.org

Mike has been a mortgage loan officer for over 10 years.

He enjoys helping members with their unique financing needs. With his background and knowledge in mortgage products and services – as well as his knowledge of the array of products and services available at 3Rivers – he has the ability and desire to help members better their financial wellness, as it relates to home-buying and beyond.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Jennifer Willett
Jennifer Willett
Mortgage Loan Officer

Northeast Indiana

NMLS# - 702996  |  Phone: 260.399.8247  |  Cell: 260.573.3410  |   Fax: 260.440.5297  |  Email: jwillett@trfcu.org

Jennifer has over ten years of banking experiences, with a focus on mortgage lending for the past three.

Jennifer’s passion is working with members to find financial solutions that will help them in the next stage of their lives – whether that entails buying a first home, vacation home, or dream home.  With patience and an attentive nature, she takes the time to find what is most important to the member. Jennifer has a deep understanding of the many alternative financing options 3Rivers has available to members, in order to find the best options for their needs.  Jennifer strives to give prompt, thorough, and reliable service to every member, every time.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Jon Halliwill
Jon Halliwill
Mortgage Sales Manager

Northeast Indiana

NMLS# - 454467  |  Phone: 260.487.3352  |  Cell: 260.602.9822  |  Fax: 260.440.5297  |  Email: jhalliwill@trfcu.org

Jon Halliwill, a graduate of the University of Evansville, has worked in the mortgage industry since 2003, and is experienced in all aspects of the home-buying process. He has worked with financial institutions in producing, managing, and training roles for more than 15 years, and specializes in all facets of mortgage lending.

In his free time, Jon gives back to our community by volunteering as a mentor for Big Brothers Big Sisters and taking part in the United Way’s “Real Men Read” program. More recently, he has joined Northeast Indiana Mortgage Banker’s board and Make A Wish of Northern Indiana.  He is married, and has two daughters, who he enjoys spending time with at weekly soccer events.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Richmond, Indiana

 

Photo of Danielle Abrams
Danielle Abrams
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 1197731  |  C: 765.259.0201  |  F: 765.807.3155  |  E: dabrams@trfcu.org

Danielle Abrams has over 10 years of experience in the banking industry, focusing on consumer lending department and, more recently, mortgage lending. She is passionate and highly driven to ensure each member is placed in the best home loan product that fits their unique needs—going above and beyond to know their goals and visions when it comes to both homeownership and their overall financial wellness. She strives to build deep relationships with each member, while providing prompt and reliable service that ensures they have an experience that leaves them feeling confident and supported every step of the way.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Nikka Alcorn
Nikka Alcorn
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 613421  |  C: 765.598.4317  |  F: 765.962.9580  |  E: nalcorn@trfcu.org

Nikka Alcorn has spent over two decades in the mortgage lending industry, having experience in several areas—including origination and collections. “Working with people” has become her motto, as exemplary member service and satisfaction are her key goals with every interaction and new relationship. In addition to walking alongside members throughout the entire home loan process, she’s also dedicated to helping them with their other financial goals, both short and long-term, by connecting them with the right resources and offering ongoing guidance and support.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Jim Backmeyer
Jim Backmeyer
Mortgage Sales Manager

Richmond, Indiana

NMLS# - 502374  |  C: 765.969.6949  |  F: 888.495.2395  |  E: jbackmeyer@trfcu.org

Jim Backmeyer has nearly 20 years of experience in the mortgage lending industry. Earlier in his career, he spent almost a decade as a managing broker for a local real estate company and is a former President of the Richmond Association of Realtors.

His unique background has made him a trusted leader and resource center in the mortgage lending industry. His knowledge, experience, community connections, and relationships with area realtors all help to ensure that members will receive prompt and personalized service and an experience that leaves them feeling confident not only in their home-buying endeavors, but in their overall financial goals, too.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Patrice Bolin
Patrice Bolin
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 132637  |  C: 765.259.0202  |  F: 765.807.3155  |  E: pbolin@trfcu.org

Patrice Bolin has over 35 years of experience in banking, with the majority of her time spent in the area of mortgage lending.

Her primary goal has always been to support members throughout the home-buying experience, ensuring they process is smooth from start to finish. She’s also dedicated to building long-lasting relationships with members that extend far beyond the realm of home loans—offering guidance and education about other financial products to help them achieve their current and future financial goals.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Home Equity Loans

Whether you're thinking of making home improvements or just need to borrow money quickly, a home equity loan may be the right option for you. Rather than using a high-interest retail or bank credit card, you can use our home equity loan solutions for planning a wedding, paying school tuition or a medical bill, or even just consolidating your debt. 3Rivers offers a variety of solutions to meet your needs.

Our home equity loan features include:

  • Flexible Payment Options
  • Home Equity Line of Credit (HELOC) — adjustable rate
  • Home Equity Loan — fixed-rates
  • Second Mortgage Terms from 1 to 15 Years
  • Ability to Borrow Up to 95% of the Value of Your Home
  • Primary Residence & Second/Vacation Homes are Eligible

Interested in a home equity loan? Contact one of us today to get started:

Northeast Indiana

 

Photo of Crystal Cobb
Crystal Cobb
Mortgage Loan Officer

Northeast Indiana

NMLS# - 445022  |  P: 260.399.8220  |  C: 260.414.3504   |  F: 260.440.5297  |  E:  ccobb@trfcu.org

Crystal has been a mortgage loan officer for nearly 20 years. She is proud to use her credit union expertise to help streamline the mortgage process for members and referral partners. She is passionate about the relationships she makes with her members, and she is keenly aware that she is guiding them through what is likely the largest investment of their life. She focuses her skills on helping her members purchasing or refinancing their current mortgage to keep costs to a minimum and their options expanded.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Larry Custard
Larry Custard
Mortgage Loan Officer

Northeast Indiana

NMLS# - 586060  |  C: 260.437.2613  |  F: 260.440.5297  |  E: lcustard@trfcu.org

Larry has been a mortgage loan officer for over 25 years in northeastern Indiana and California and has been with 3Rivers for nearly 22 years.

Larry has built a broad knowledge of mortgage products and programs to help our members achieve homeownership. He has worked with conventional and government programs and can help with new construction financing with equal efficiency.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Jon Halliwill
Jon Halliwill
Mortgage Sales Manager

Northeast Indiana

NMLS# - 454467  |  Phone: 260.487.3352  |  Cell: 260.602.9822  |  Fax: 260.440.5297  |  Email: jhalliwill@trfcu.org

Jon Halliwill, a graduate of the University of Evansville, has worked in the mortgage industry since 2003, and is experienced in all aspects of the home-buying process. He has worked with financial institutions in producing, managing, and training roles for more than 15 years, and specializes in all facets of mortgage lending.

In his free time, Jon gives back to our community by volunteering as a mentor for Big Brothers Big Sisters and taking part in the United Way’s “Real Men Read” program. More recently, he has joined Northeast Indiana Mortgage Banker’s board and Make A Wish of Northern Indiana.  He is married, and has two daughters, who he enjoys spending time with at weekly soccer events.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Alyssa Jay
Alyssa Jay
Mortgage Loan Officer

Northeast Indiana

NMLS# - 1683887  |  P: 260.487.3414  |  C: 260.312.0079  |  F: 260.440.5297  |  E: ajay@trfcu.org

Alyssa Jay has over seven years of experience in the mortgage industry, right here in Northeast Indiana. She has a rich history of helping people make their home-buying dreams a reality, and has gained a great deal of knowledge and experience along the way. From processing mortgages to servicing mortgage products – including purchases, refinances, and second mortgages, Alyssa is highly driven to help our members achieve their goals by ensuring they receive the right home loan product and providing a personalized, above-and-beyond experience along the way.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Tammy Keeling
Tammy Keeling
Mortgage Loan Officer

Northeast Indiana

NMLS# - 408800  |  P: 260.399.8237  |  C: 260.403.4681  |  F: 260.440.5297  |  E: tkeeling@trfcu.org

Tammy has been a mortgage loan officer in Northeast Indiana for over 20 years. With her experience, she understands the complexities involved with mortgage financing, and is able to guide members seamlessly through the home-buying journey. Tammy strives to make the process as transparent and easy-to-understand as possible, with the goal of providing an excellent member experience.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Matt Level
Matt Level
Mortgage Loan Officer

Northeast Indiana

NMLS# - 613939  |  C: 260.210.4151  |  F: 260.440.5297  |  E: mlevel@trfcu.org

Matt Level comes to 3Rivers with over 20 years of experience in the mortgage industry. He strongly believes in the importance of asking the right questions, and listening closely to members’ wants and needs, to ensure they’re matched with the right loan for their unique situation – knowing a home is likely the largest purchase they’ll make in their lifetime. He also works hard to make sure that members are relaxed and content through the entire building, buying, or refinancing process – and beyond.

APPLY NOW CHECK RATES UPLOAD SECURE DOCUMENTS  3Rivers Member Insurance

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Mike Ruiz
Mike Ruiz
Mortgage Loan Officer

Northeast Indiana

NMLS# - 196258  |  P: 260.487.3398  |  C: 260.402.4610  |  F: 260.440.5297  |  E: mruiz@trfcu.org

Mike has been a mortgage loan officer for over 10 years.

He enjoys helping members with their unique financing needs. With his background and knowledge in mortgage products and services – as well as his knowledge of the array of products and services available at 3Rivers – he has the ability and desire to help members better their financial wellness, as it relates to home-buying and beyond.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Jennifer Willett
Jennifer Willett
Mortgage Loan Officer

Northeast Indiana

NMLS# - 702996  |  Phone: 260.399.8247  |  Cell: 260.573.3410  |   Fax: 260.440.5297  |  Email: jwillett@trfcu.org

Jennifer has over ten years of banking experiences, with a focus on mortgage lending for the past three.

Jennifer’s passion is working with members to find financial solutions that will help them in the next stage of their lives – whether that entails buying a first home, vacation home, or dream home.  With patience and an attentive nature, she takes the time to find what is most important to the member. Jennifer has a deep understanding of the many alternative financing options 3Rivers has available to members, in order to find the best options for their needs.  Jennifer strives to give prompt, thorough, and reliable service to every member, every time.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Richmond, Indiana

 

Photo of Danielle Abrams
Danielle Abrams
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 1197731  |  C: 765.259.0201  |  F: 765.807.3155  |  E: dabrams@trfcu.org

Danielle Abrams has over 10 years of experience in the banking industry, focusing on consumer lending department and, more recently, mortgage lending. She is passionate and highly driven to ensure each member is placed in the best home loan product that fits their unique needs—going above and beyond to know their goals and visions when it comes to both homeownership and their overall financial wellness. She strives to build deep relationships with each member, while providing prompt and reliable service that ensures they have an experience that leaves them feeling confident and supported every step of the way.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Nikka Alcorn
Nikka Alcorn
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 613421  |  C: 765.598.4317  |  F: 765.962.9580  |  E: nalcorn@trfcu.org

Nikka Alcorn has spent over two decades in the mortgage lending industry, having experience in several areas—including origination and collections. “Working with people” has become her motto, as exemplary member service and satisfaction are her key goals with every interaction and new relationship. In addition to walking alongside members throughout the entire home loan process, she’s also dedicated to helping them with their other financial goals, both short and long-term, by connecting them with the right resources and offering ongoing guidance and support.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Jim Backmeyer
Jim Backmeyer
Mortgage Sales Manager

Richmond, Indiana

NMLS# - 502374  |  C: 765.969.6949  |  F: 888.495.2395  |  E: jbackmeyer@trfcu.org

Jim Backmeyer has nearly 20 years of experience in the mortgage lending industry. Earlier in his career, he spent almost a decade as a managing broker for a local real estate company and is a former President of the Richmond Association of Realtors.

His unique background has made him a trusted leader and resource center in the mortgage lending industry. His knowledge, experience, community connections, and relationships with area realtors all help to ensure that members will receive prompt and personalized service and an experience that leaves them feeling confident not only in their home-buying endeavors, but in their overall financial goals, too.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Photo of Patrice Bolin
Patrice Bolin
Mortgage Loan Officer

Richmond, Indiana

NMLS# - 132637  |  C: 765.259.0202  |  F: 765.807.3155  |  E: pbolin@trfcu.org

Patrice Bolin has over 35 years of experience in banking, with the majority of her time spent in the area of mortgage lending.

Her primary goal has always been to support members throughout the home-buying experience, ensuring they process is smooth from start to finish. She’s also dedicated to building long-lasting relationships with members that extend far beyond the realm of home loans—offering guidance and education about other financial products to help them achieve their current and future financial goals.

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Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.


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Mortgage Servicing

Have mortgage-related questions like the following?

  1. What should I know about switching homeowners insurance provider?
  2. Why did I receive a tax bill?
  3. When are property taxes due?
  4. When can I drop Private Mortgage Insurance (PMI)?
  5. Why did my payment change?

We’re here to help you make sense of all things mortgage and home-ownership!

Mortgage Servicing FAQs

Our Mortgage Servicing Department can be contacted in the following ways:

One of our mortgage servicing specialists will follow-up with you within 24 hours to discuss your question or concern.

Mortgage Servicing Calendar

Last updated: 9/26/2019
Month Event
January Michigan tax bills are due | 1098 Forms are sent | Escrow analysis surplus checks mailed
February Ohio tax bills are due | Escrow analysis payment changes (effective February 1)
May Indiana tax bills are due | Escrow analysis completed
June Escrow analysis surplus checks are mailed
July Escrow analysis payment changes (effective July 1) | Ohio tax bills are due
August Michigan tax bills are due
November Indiana tax bills are due | Florida tax bills are due (annual-billed)
December Escrow analysis completed

For more information on your county’s taxes and general tax information, check out the following links:

Mortgage Rates

Last updated: 9/22/2020
Program Name Rate (as low as)1 APR2
5/1 ARM 3.250% 3.194%
7/1 ARM 3.375% 3.291%
30 Year Fixed (Conforming) 3.000% 3.155%
20 Year Fixed (Conforming) 2.625% 2.842%
15 Year Fixed (Conforming) 2.250% 2.530%
10 Year Fixed (Conforming) 2.125% 2.534%

Apply Now Customized Rates based on your Loan Details

1Rates are subject to change without notice and is based upon borrower qualifications and credit review.

2Annual Percentage Rate (APR) is calculated based on a loan amount of $100,000.00.

Second Mortgage

Last updated: 9/1/2020
Second Mortgage Loan Amount Term1 Rate APR1
Home Equity LOC $10,000 - $250,000 180 month term loan. Payment 1.5% of outstanding balance, but not less than $50. as low as 3.25% 3.464%
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 3.25% 3.562%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 5.50% 6.114%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 5.50% 5.663%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 5.75% 5.796%

Apply Now

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rates for Home Equity LOC and Interest Only Home Equity LOC are based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 5.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rates for Home Equity LOC and Interest Only Home Equity LOC are based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 5.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 5.75% your payment will roughly be $10.98 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

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