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Build, Buy, or Refinance with Confidence

Home & Mortgage Loans

Whether you're a first-time buyer or refinancing, we're here to make home financing straightforward, affordable, and stress-free.
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Your Path to Homeownership Starts Here

At 3Rivers, we understand that buying or refinancing a home is one of the biggest financial decisions you'll make. That's why we've spent nearly 90 years helping families achieve homeownership throughout Indiana and beyond. 

We're here to guide you every step of the way—from pre-approval to closing and beyond—with personalized service and local expertise you can trust. 

Local Expertise: Our mortgage team lives and works in the communities we serve. We understand local markets, neighborhoods, and what it takes to make homeownership a reality in Northeast Indiana. 

Competitive Rates: As a not-for-profit credit union, we return earnings to members through better rates and lower fees—often more competitive than traditional banks. 

Fast Approvals: Your loan is underwritten locally, which means faster decisions and a smoother closing process. No waiting for approvals from distant processing centers. 

Mortgage Loan Options

Choose the Loan That Fits Your Goals

Whether you're buying your first home or building your dream house, we have financing solutions for every stage of life.
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Purchase

  • Finance your home purchase with conventional, FHA, VA, or USDA loans 
  • Fixed home equity terms of various lengths available 
  • Up to 100% conventional financing available
  • First-time homebuyer programs with low down payment options 
  • Local decision-making means faster approvals and closing 
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Remodel & HELOC

  • Tap into your home's equity for renovations, debt consolidation, or major expenses 
  • Choose a fixed-rate home equity loan or flexible HELOC 
  • Terms up to 180 months available on closed-end loans 
  • Rates significantly lower than credit cards or personal loans 
  • Potential tax advantages—consult your tax advisor 
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Refinancing

  • Lower your rate, reduce monthly payments, or access home equity 
  • Rate and term refinancing or cash-out options available 
  • Streamlined process with no prepayment penalties 
  • Local underwriting team provides quick turnaround 
  • Free consultation to evaluate if refinancing makes sense 
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Construction

  • Building your dream home? We offer construction and construction-to-permanent loans
  • Interest-only payments during construction period 
  • Lot loans available for land purchase before building 
  • Local relationships with quality builders throughout Indiana 
  • Knowledgeable loan officers to help guide you through the process
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Mortgage Rates

Disclaimer
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.

2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
Program Name Rate (as low as)1 APR2 Points
10 Year Fixed (Conforming) 6.000% 6.261% 0.000%
15 Year Fixed (Conforming) 5.875% 6.059% 0.000%
20 Year Fixed (Conforming) 5.875% 6.021% 0.000%
30 Year Fixed (Conforming) 5.875% 5.985% 0.000%

How the Mortgage Process Works

Buying or refinancing a home doesn't have to be overwhelming. At 3Rivers, we've streamlined the mortgage process to make it as straightforward as possible. 

Step 1: Get Pre-Approved — Start with a free pre-approval to understand your budget and show sellers you're serious. We'll review your finances and provide a pre-approval letter in 24-48 hours. 

Step 2: Find Your Home — Shop with confidence knowing exactly what you can afford. Your 3Rivers pre-approval strengthens your offer. 

Step 3: Complete Application — Once you've found the perfect property, we'll complete your full application, order an appraisal, and verify documentation. 

Step 4: Underwriting & Approval — Our local underwriting team reviews your application and works quickly to get you to closing. 

Step 5: Close & Celebrate — Review and sign your documents, receive your keys, and start the next chapter of your life. 

Ready to get started? Apply online or schedule a consultation with one of our experienced mortgage specialists. 

 

Insurance Solutions for Your Home & Auto

Protect What Matters Most

Beyond your mortgage, safeguard your investment with comprehensive home and auto insurance options designed to protect your property and peace of mind.
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Insights to Guide Your Homebuying Journey

Explore helpful articles on mortgages, homebuying tips, and financial insights to help you feel confident every step of the way.
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Deciding on What Type of Home to Buy

Once you’ve made the decision to buy your own home, visited 3Rivers to make sure you can arrange financing, and speak with a loan officer to determine how much home you can afford, what’s next? The fun part!

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Mortgage & Home Loans

Got the Home Ownership Bug? Plan Now + Think 3Rivers!

Many people dream of getting a place of their own so they can rest and play with a sense of security and comfort. Buying a house is, indeed, one of the most important yet stressful financial decisions anyone will make. At the same time, it's probably one of the best investments you can make. By carefully planning you can make your dream become real.

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Mortgage & Home Loans
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