Home Mortgages

Your community is where you live, work, and play—and with mortgage services by 3Rivers, we’re here to help you fulfill your dream—whether it’s a new house in the suburbs, a condo downtown, or a cottage at the lake. No matter the home you’re looking for 3Rivers is ready to help you put down you roots in your community.

3Rivers services our all mortgages locally so when you have questions, your 3Rivers team is here for you every step of the way.

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 | Doug Lehman |

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

Not currently working with a 3Rivers mortgage loan officer or just want to check our rates?




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. Please contact a 3Rivers mortgage loan originor for more details or call us at 260.399.8236.


  • VA Mortgage Program

  • Purchasing A Home Quick Guide

  • Mortgage Overview Guide

  • Mortgage Application Checklist