Home Mortgages

Whether you’re looking to build, buy, or refinance your first home, your dream house, or a vacation home, or if you're just looking to make your payments a little easier on your wallet, we have mortgage solutions to make your goal happen.

Mortgage Options

Conventional Loans:  As low as 3%* down 

New Construction: As low as 5%* down and a one-time closing

Government: VA, FHA, and USDA options

Manufactured Homes: As low as 3.5%* down, no single-wide properties

Ready to apply?

Have the following information ready:

  • Social Security Number
  • Date of Birth
  • Income, Asset, and Employment Information

Learn more about our mortgage loan officers or continue working with your selected mortgage loan officer.

Dan Fivecoate | Jeremy High | Phil Kosmala | Doug Lehman

Eric Smothermon | David Wingate Jr. | Crystal Cobb | Larry Custard

Not currently working with a 3Rivers mortgage loan officer?



Need more information?

Email mortgageinquiry@trfcu.org and a loan officer will contact you within one business day.

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.
*Down payment is based on borrower's qualifications.


  • VA Mortgage Program

  • Purchasing A Home Quick Guide

  • Mortgage Application Checklist

  • Mortgage Overview Guide