Home 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
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# - 586063 | C: 260.273.8388 | F: 260.310.8780 | E: dlehman@trfcu.org
Doug has been a mortgage loan officer for over 40 years in northeastern Indiana and has been with 3Rivers for over 15 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 # - 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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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# - 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# - 454467 | Cell: 260.602.9822 | Fax: 260.310.8780 | 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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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 # - 1740119 | C: 260.385.4588 | F: 260.310.8780 | E: ttimmerman@trfcu.org
Tyra Timmerman is a Fort Wayne native with nearly a decade of experience in the banking and finance industry. Over the past several years, she has gained knowledge of a host of aspects in the mortgage industry, from loan processing to loan origination.
She strives to guide her members through home-buying and refinancing processes with care, efficiency, and attention to detail. She believes home loans are far more than a transaction, and each is an opportunity to build a lasting relationship
with our members and help them to achieve all their financial goals.
With a wealth of knowledge in mortgage lending, along with the many other banking solutions 3Rivers has to offer, Tyra provides our members with top-level service geared
toward helping them with all their financial wellness needs.
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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’re a first time homebuyer looking for a starter home or you’re ready to 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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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: 765.914.0909 | 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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Additional Mortgage Resources:
