Remodel Loans
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
NMLS# - 1373263 | C: 260.402.2271 | F: 260.310.8780 | E: fyanko@trfcu.org
Frank Yanko brings over 20 years of Northeast Indiana-based mortgage experience to 3Rivers. He enjoys working with all levels of borrowers, holding a strong passion for first-time home buyers. Looking for creative ways to help borrowers explore all of their borrowing options is a specialty of his. Through active listening and deep conversations, Frank quickly becomes a trusted financial advisor to our members and is able to help them with not only their homeownership wants and needs, but all of their life changes by connecting them with the credit union’s many resources. Whether you’re buying your first home or building your dream home, Frank and 3Rivers are able to help with a competitive set of products to find the perfect home loan for your needs.
Frank is an active affiliate member of the UpStar Alliance of Realtors and is the current president of the Northeast Indiana Mortgage Bankers Association (NIEMBA).
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Northeast Indiana
NMLS# - 444700 | C: 260.415.6998 | F: 260.310.8780 | 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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Northeast Indiana
NMLS# - 2087225 | C: 260.444.6199 | F: 260.310.8780 | E: pward@trfcu.org
Patrick Ward has an extensive background in customer service and mortgage origination. He enjoys helping our members realize their dreams of homeownership and financial stability. Patrick understands that everyone has their own set of unique lending needs, and gets to know our members and their home-buying goals in order to pair them with solutions best suited for them.Whether you’rea first time homebuyer looking for a starter home or you’re readyto build your dream home, Patrick will work tirelessly to meet your needs while providing the highest level of one-on-one service that makes the home buying experience feel effortless!
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Northeast Indiana
NMLS# - 810893 | C: 260.494.7708 | F: 260.310.8780 | 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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Northeast Indiana
NMLS# - 413614 | C: 260.417.0104 | F: 260.310.8780 | 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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Northeast Indiana
NMLS# - 2103179 | C: 260.600.3770 | F: 260.310.8780 | E: choran@trfcu.org
Chris Horan comes to 3Rivers with more than a decade of experience in the credit union industry, with a primary focus on building financial wellness through personalized lending.
Chris also possesses firsthand knowledge of the real estate and local title industry. He values the relationships he builds with members throughout the mortgage process, which result from him asking the right questions, listening their goals, identifying their unique needs, and assembling a team of experts to help them achieve financial wellness.
He strives to provide every member, realtor, and builder with the highest level of service. His extensive knowledge of 3Rivers’ products and services allow him the opportunity to provide all homebuyers—including self-employed borrowers and first-time homebuyers—with the ideal mortgage solutions, whether they’re building, buying, or refinancing.
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Northeast Indiana
NMLS# - 586063 | C: 260.273.8388 | F: 260.310.8780 | 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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Northeast Indiana
NMLS# - 1599080 | C: 260.609.5832 | F: 260.310.8780 | 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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Northeast Indiana
NMLS# - 1683887 | C: 260.312.0079 | F: 260.310.8780 | E: ajay@trfcu.org
Alyssa Jay has over 12 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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Northeast Indiana
NMLS # - 586061 | C: 260.402.1820 | F: 260.310.8780 | 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.
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Richmond, Indiana
NMLS# - 502374 | C: 765.969.6949 | F: 765.373.3371 | 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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NMLS# 1897324 | C: 765-969-9678 | F: 765.373.3371 | E: rmiller@trfcu.org
Renee Miller has over 30 years of experience in the financial industry, specializing in the mortgage realm for nearly a decade. In addition, she has nearly 20 years of experience in business management, operating a Richmond-based eatery. These experiences make Renee uniquely qualified to work with members with a variety of financial needs. She enjoys problem-solving and working with our members to help fulfill their financial goals, mortgage and otherwise.
Renee has been a resident of Richmond for over 30 years and is very passionate about the community. She’s Vice President of Good Will Habitat for Humanity and in her time off, enjoys spending time with her family, boating, and exploring the great outdoors.
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Richmond, Indiana
NMLS# - 1270727 | C: 765.598.4317 | F: 765.373.3371 | E: kthornsberry@trfcu.org
Krista Thornsberry has nearly a decade of mortgage lending experience and over 40 years of practice in providing superior customer service. She has a passion for helping people achieve their financial and homeownership goals. Krista has degrees in business and accounting, enabling her to provide a unique level of expertise to our members. She loves giving back to her community through various organizations and enjoys spending time with family and friends.
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